Credit Analyst

We're a fast-growing business lender expanding across Europe, supporting SMEs with fast, flexible funding.

• 2-3 years' experience as a Credit Analyst, Junior Underwriter, or in a similar credit or financial services role.
• Strong ability to analyse financial information and assess SME credit risk.
• Exposure to secured and unsecured lending is desirable.
• Skilled in interpreting financial statements and credit reports.
• Experience in alternative lending or non-bank financial services is a plus.
• Strong problem-solving skills and commercial judgment.
• High attention to detail, accuracy, and ability to work in a fast-paced environment.
• Fluency in German and English (both required); French is an advantage but not essential.

• Assess SME loan applications and make well-reasoned, risk-based credit recommendations.
• Review financial statements, credit reports, and other risk indicators to determine creditworthiness.
• Assist in structuring secured and unsecured loans, ensuring compliance with lending policies.
• Prepare clear credit assessments and provide input into credit decisions.
• Support the monitoring of portfolio performance and highlight potential risks or trends.
• Assist with hardship assessments by analysing customer circumstances and proposing solutions.
• Maintain accurate records and data integrity across systems.
• Collaborate with senior underwriters and contribute to process improvements within the team.

Please be informed that the data controller is TechTree (hereinafter "controller"). You have the right to request access to your personal data, their rectification, erasure or restriction of processing, the right to object to processing, as well as the right to data portability and to lodge a complaint to the supervisory authority. Personal data will be processed for the purpose of the recruitment process. Provision of data to the extent resulting from the Act of 26 June 1974 Labour Code is mandatory. In the remaining scope, providing data is voluntary. Refusal to provide mandatory data may result in the impossibility to carry out the recruitment process. The Administrator processes mandatory data on the basis of a legal obligation incumbent upon him/her, while with regard to additional data, the basis for processing is consent. Personal data will be processed until the recruitment procedure is completed and for the period of the possibility of asserting potential claims, and in the case of consent to participate in future recruitment procedures - until the withdrawal of such consent. Consent to the processing of personal data can be withdrawn at any time. The recipient of the data is the Just Join IT service and other entities to whom we have entrusted the processing of data in connection with recruitment.