# Lead Loan Analyst

**Company:** [Elect Capital](http://jobs.workable.com/companies/4Bkd3b4TsTiEFSRnQ28iFT.md)
**Location:** London, United Kingdom
**Workplace:** on site
**Employment type:** Full-time
**Department:** Lending

[Apply for this job](http://jobs.workable.com/view/c9e4f3f9-9c93-446b-82a1-3229f1049edb)

## Description

**Loan Analyst Team Lead**

📍 London | 4 days in-office

**About Elect Capital**

Elect Capital is a fast-growing SME lender providing working capital loans, business loans, and merchant cash advances to small and medium-sized businesses. We operate across the UK, Australia, Canada, and the US, helping ambitious businesses access the funding they need to grow.

**Our Mission**

We exist to make fast, fair funding accessible to the SMEs that keep local economies moving — cutting through the slow, rigid processes of traditional lenders so business owners can focus on what they do best.

**Our Values: C.O.R.E**

-   Challenge — we push ourselves and each other to get better every day
-   Opportunity — we spot potential where others don't, in our customers and our people
-   Resilience — we stay steady and solutions-focused under pressure
-   Edge — we bring sharp thinking and a competitive drive to everything we do

**The Role**

We're looking for a Loan Analyst Team Lead to manage and develop our team of Loan Analysts, who are responsible for the first-line scrubbing and preparation of loan applications ahead of underwriting. You'll combine hands-on analytical leadership with day-to-day people management, ensuring the team maintains speed, accuracy, and consistency as application volumes scale. This is a great opportunity for an experienced analyst ready to step into their first or next leadership role within a high-growth lending business.

**Key Responsibilities**

-   Lead, coach, and develop a team of Loan Analysts, setting clear performance expectations and supporting their growth
-   Own the quality and throughput of the scrubbing process, ensuring applications are accurately prepared and handed off to Underwriting without unnecessary delay
-   Review team output and provide structured feedback, identifying gaps in accuracy or process understanding early
-   Design and refine workflows, checklists, and quality controls to improve consistency as the team scales
-   Act as the key link between the Loan Analyst team and Underwriting, resolving queries and escalations quickly
-   Monitor team capacity against application volume and flag resourcing needs to the Global Head of Sales
-   Support onboarding and training for new Loan Analysts joining the team
-   Maintain and report on team KPIs, including turnaround time and quality metrics

**What We're Looking For**

-   Proven experience as a Loan Analyst, Credit Analyst, or similar role within SME or commercial lending
-   Prior experience leading, mentoring, or informally supervising a small team
-   Strong attention to detail and a track record of maintaining accuracy under volume pressure
-   Comfortable using data to manage performance — Excel/BI tool proficiency expected
-   Clear, confident communicator, able to give direct feedback and manage up to senior stakeholders
-   A genuine interest in credit and lending, with an eye for spotting risk early in the process

**Bonus**

-   Experience in a fast-scaling fintech or non-bank lender
-   Exposure to unsecured SME lending or merchant cash advances specifically

**Our Offer**

-   Competitive salary, reflective of experience
-   Performance-based bonus scheme
-   25 days annual leave plus bank holidays
-   Private health insurance
-   Genuine progression opportunities in a fast-scaling business
-   A collaborative, high-performance culture built on our C.O.R.E values

Think you're a fit? **Let's talk.**