Credit Officer (Finance)

TL;DR

Credit Officer (Finance): Delivering responsible and sustainable credit risk solutions for UK-focused businesses with revenues between £25m and £500m with an accent on credit assessment and portfolio monitoring. Focus on analyzing company financials, structuring credit proposals, and exercising formal credit authority to enable growth.

Location: Hybrid (Leeds, Birmingham, UK)

Salary: £67,023 - £74,470

Company

hirify.global is a major financial institution committed to rebooting the future of finance through inclusive and sustainable banking.

What you will do

• Conduct independent credit assessments, analyzing company information and market due diligence for sanctioning officials.
• Liaise with originators, relationship managers, and clients to shape structured credit proposals.
• Monitor and control credit exposures to maintain compliance with Group and regulatory policies.
• Perform customer, sector, and market research, including sensitivity analysis of internal and external cash flow models.
• Exercise formal Credit Authority Delegation to sanction transactions.
• Maintain high-quality records for internal and external statutory reporting.

Requirements

• Strong professional experience in credit risk and financial analysis.
• Background in cashflow-based lending.
• Proven track record of preparing credit papers for senior sanctioning officials.
• Well-developed communication and influencing skills to challenge the status quo.
• Ability to deliver results under tight timescales and adapt to new challenges.
• Must be based in or able to work in Leeds or Birmingham, UK (Hybrid)

Culture & Benefits

• Generous pension contribution of up to 15%.
• Annual performance-related bonus and share schemes including free shares.
• 30 days’ holiday plus bank holidays.
• Inclusive workplace with dedicated support for diversity, including menopause health and cancer initiatives.
• Flexible working patterns and comprehensive workplace adjustments for disability.