Senior Credit Analyst
⚲ Kraków
100 000 - 300 000 PLN brutto (ANY)
Wymagania
- Significant experience in a Credit Analyst role
Opis stanowiska
About us
We're a fast-growing business lender, supporting SMEs with fast, flexible funding.
The role
We're looking for a Senior Credit Analyst to join our expanding underwriting team. This role is ideal for a commercially minded professional with strong credit risk assessment experience who thrives in a fast-paced lending environment. The successful candidate will be confident making risk-based lending decisions without solely relying on rigid guidelines or automated models - assessing SME loans with commercial judgment, structuring complex deals, and mentoring the wider team.
What you'll do
• Assess SME loan applications and make independent credit decisions with a balanced risk approach.
• Conduct in-depth analysis of financial statements, credit reports, and risk indicators to determine creditworthiness.
• Structure lending solutions for both secured and unsecured loans, even when they fall outside traditional models.
• Review loan offers and provide insights on portfolio trends and risk exposure.
• Support process improvements and help shape best practices within the underwriting team.
• Stay informed on economic trends and how they impact credit risk assessment.
• Assist with hardship assessments and provide tailored solutions for clients when required.
• Act as a mentor to junior team members, sharing expertise and fostering development.
What you bring
• Significant experience in a Credit Analyst, Credit Underwriter, or similar senior role.
• Proven background in credit underwriting, ideally within business lending.
• Strong ability to assess risk without over-reliance on automated models.
• Experience making funding decisions for both secured and unsecured loans.
• Ability to interpret financial statements, with property-backed underwriting knowledge being a plus.
• Previous experience in alternative lending or non-bank financial services is desirable.
• A problem-solver who can structure complex loans outside traditional models.
• Leadership abilities, with experience mentoring or guiding junior analysts.
Logistics
• Location: Kraków, Poland.
• Full-time.
• Compensation: 78,000 - 300,000 PLN gross per year, depending on experience and seniority.
We're a fast-growing business lender, supporting SMEs with fast, flexible funding.
The role
We're looking for a Senior Credit Analyst to join our expanding underwriting team. This role is ideal for a commercially minded professional with strong credit risk assessment experience who thrives in a fast-paced lending environment. The successful candidate will be confident making risk-based lending decisions without solely relying on rigid guidelines or automated models - assessing SME loans with commercial judgment, structuring complex deals, and mentoring the wider team.
What you'll do
• Assess SME loan applications and make independent credit decisions with a balanced risk approach.
• Conduct in-depth analysis of financial statements, credit reports, and risk indicators to determine creditworthiness.
• Structure lending solutions for both secured and unsecured loans, even when they fall outside traditional models.
• Review loan offers and provide insights on portfolio trends and risk exposure.
• Support process improvements and help shape best practices within the underwriting team.
• Stay informed on economic trends and how they impact credit risk assessment.
• Assist with hardship assessments and provide tailored solutions for clients when required.
• Act as a mentor to junior team members, sharing expertise and fostering development.
What you bring
• Significant experience in a Credit Analyst, Credit Underwriter, or similar senior role.
• Proven background in credit underwriting, ideally within business lending.
• Strong ability to assess risk without over-reliance on automated models.
• Experience making funding decisions for both secured and unsecured loans.
• Ability to interpret financial statements, with property-backed underwriting knowledge being a plus.
• Previous experience in alternative lending or non-bank financial services is desirable.
• A problem-solver who can structure complex loans outside traditional models.
• Leadership abilities, with experience mentoring or guiding junior analysts.
Logistics
• Location: Kraków, Poland.
• Full-time.
• Compensation: 78,000 - 300,000 PLN gross per year, depending on experience and seniority.
🔍 Dekoder Ogłoszenia
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fast-paced lending environment
Wysokie tempo pracy, napięte terminy, duże obciążenie obowiązkami
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thrives in a fast-paced
Oczekiwanie odporności na stres i pracy pod presją czasu
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fast-growing business lender
Firma w fazie intensywnego wzrostu — procesy mogą się szybko zmieniać, brak stabilizacji