Company Overview

The organisation operates within the financial technology industry, supporting digital lending solutions that enable businesses and individuals to access structured financing services through technology-driven platforms. Its activities involve credit assessment, financial data analysis, lending operations and the development of efficient digital credit processes.

The organisation focuses on responsible lending practices, consistent credit evaluation and the use of reliable financial information to support lending decisions. It works across technology, finance and risk functions to improve the accuracy and efficiency of its credit services.

Role Summary

The Digital Lending Credit Underwriting Analyst will assess loan applications, evaluate borrower financial information and support credit decisions across digital lending products. The role involves reviewing income information, financial statements, repayment capacity, credit histories and other relevant indicators to establish the creditworthiness of applicants.

The successful candidate will contribute to the application of consistent underwriting standards, identify potential credit risks and ensure that lending recommendations are supported by reliable financial analysis.

Working with credit risk, lending operations, compliance and product teams, the analyst will also help improve underwriting procedures and identify opportunities to strengthen the digital credit assessment process.

Key Responsibilities

• Review digital loan applications and assess the financial circumstances of individual and business borrowers.

• Analyse income records, bank statements, financial statements and other supporting documentation.

• Evaluate borrower repayment capacity using established credit assessment criteria.

• Examine credit histories, outstanding obligations and relevant financial risk indicators.

• Prepare structured underwriting assessments and provide recommendations in accordance with internal lending policies.

• Identify inconsistencies, incomplete information and potential warning signs within loan applications.

• Support the application of credit scoring methodologies and risk assessment frameworks.

• Monitor lending portfolios and identify patterns that may indicate increasing credit exposure.

• Collaborate with credit risk specialists to review complex applications and unusual borrowing profiles.

• Maintain accurate records of credit assessments, supporting documents and underwriting decisions.

• Contribute to the review and improvement of credit evaluation procedures.

• Assist with analysing lending performance, repayment trends and early indicators of potential defaults.

• Work with product and technology teams to improve the accuracy of automated credit assessment processes.

• Ensure that underwriting activities follow established internal controls and applicable lending requirements.

• Prepare periodic reports covering application volumes, approval trends and credit assessment outcomes.

Requirements and Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, Banking, Business Administration or a related field.

• Professional experience in credit analysis, loan underwriting, lending operations or financial risk assessment.

• Understanding of creditworthiness evaluation, repayment capacity and borrower risk indicators.

• Ability to interpret financial statements, bank statements and income documentation.

• Knowledge of credit scoring principles and lending assessment methodologies.

• Strong numerical, analytical and financial modelling skills.

• Proficiency in Microsoft Excel and financial data analysis tools.

• Familiarity with digital lending platforms and automated credit assessment systems is an advantage.

• Knowledge of responsible lending practices and relevant financial services requirements.

• Strong attention to detail and the ability to make evidence-based recommendations.

• Good written communication skills and the ability to prepare clear underwriting reports.

• Ability to work independently while collaborating with distributed risk and lending teams.

Benefits

• Fully remote working arrangement within Estonia.

• Opportunity to contribute to the development of digital lending services.

• Exposure to modern credit assessment technologies and fintech lending models.

• Professional development in credit underwriting and financial risk analysis.

• Collaboration with experienced finance, risk, compliance and technology professionals.

• Opportunities to contribute to improvements in credit evaluation processes.

• Long-term career development within digital finance and lending operations.

Application Instructions

Interested candidates should submit an updated CV outlining their experience in credit underwriting, lending operations, credit analysis or financial risk assessment. Applications should highlight relevant financial analysis skills, knowledge of credit evaluation methods and experience working with loan applications or digital lending systems.

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