Job DescriptionAs a Commercial Credit Analyst, you will:

• Analyse, structure and underwrite commercial credit applications within delegated authority
• Manage relationships with business partners, dealers and commercial customers
• Assess financial performance and creditworthiness, establishing appropriate credit limits and risk controls
• Monitor portfolio performance and proactively manage emerging credit risks
• Prepare high-quality credit submissions and risk assessments for approvals outside delegated authority
• Negotiate and prepare credit documentation in line with internal policies and legal requirements
• Support business growth through thoughtful and commercially balanced credit decisions
• Identify and contribute to process improvement initiatives, including automation and digital solutions
• Provide guidance, coaching and support to junior team members
• Produce portfolio reporting, insights and risk trend analysis for stakeholders
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