Anderson Knight is delighted to be partnering with a specialist motor finance provider in Glasgow to recruit a Credit Risk Analyst - Motor Finance. This is a fantastic opportunity to join a growing organisation within the near-prime lending sector, helping customers with more complex credit profiles access vehicle finance.

Reporting to the Credit Decisions Team Leader, you'll be responsible for assessing motor finance applications, analysing credit data, and making well-informed lending decisions aligned with company policy and risk appetite. You'll play a key role in promoting responsible lending by evaluating affordability, identifying potential fraud risks, and delivering a high standard of service to both internal teams and external partners.

This role offers excellent scope to develop your underwriting and analytical skills within a supportive environment, with ongoing training and career development opportunities.

Working Hours
• 35 hours per week (Sunday to Thursday)
Rotational shifts within:
o Sunday - Thursday : 8am - 8pm
o Saturday - Sunday: 9am - 6pm
• Flexibility required as shifts rotate

Salary: £27,500

Key Responsibilities
• Assess and analyse motor finance applications using credit reference data and internal tools to make informed lending decisions
• Ensure all decisions align with company policies, procedures, and delegated authority levels
• Conduct affordability checks, credit behaviour analysis, customer verification, and vehicle eligibility assessments
• Use industry systems such as credit reference agencies, vehicle valuation tools, and fraud prevention platforms
• Maintain accurate and detailed records of all decisions, including any lending conditions applied
• Identify and escalate potential fraud or financial crime risks in line with internal procedures
• Deliver a professional and efficient service to dealers, brokers, and internal stakeholders
• Manage application volumes effectively to meet team service level agreements
• Stay up to date with credit policies, regulatory requirements, and industry best practice
• Contribute to team development through training and continuous improvement initiatives

Skills & Experience
• Experience in underwriting, credit analysis, or financial services (preferred)
• Strong analytical and decision-making skills, with the ability to interpret financial data
• High attention to detail and ability to follow structured processes
• Strong organisational skills and ability to prioritise workload in a fast-paced environment
• Proficient in Microsoft Office, particularly Excel and Word
• Excellent written and verbal communication skills
• Ability to build strong working relationships internally and externally

If you're looking to take the next step in your credit or underwriting career within a dynamic and supportive organisation, we'd love to hear from you.

Apply now with your CV in confidence