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Title
Text copied to clipboard!Commercial Lender
Description
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We are looking for a Commercial Lender to join our finance team. In this role, you will be responsible for evaluating business credit applications, making credit decisions, and maintaining client relationships. The position requires strong financial expertise, analytical thinking, and the ability to make decisions under pressure. As a Commercial Lender, you will play a key role in ensuring the company’s cash flow and risk management.
Your daily tasks will include analyzing clients’ financial situations, assessing credit risks, and preparing credit reports. You will work closely with sales, legal, and collections departments to ensure credit decisions support business goals. You will also contribute to the development of credit policies and strictly follow regulatory requirements and internal guidelines.
We expect candidates to have experience in the financial sector, particularly in business lending. We value clear communication skills in both Finnish and English, and strong negotiation abilities. Success in this role also requires accuracy, organization, and the ability to work independently.
We offer you a permanent position in a stable and growing organization, a competitive salary, and opportunities for professional development. You will work in an expert team that supports each other and shares knowledge. If you are passionate about finance and want to be part of building responsible lending practices, this position may be right for you.
Responsibilities
Text copied to clipboard!- Evaluate business credit applications
- Make and document credit decisions
- Analyze and manage credit risks
- Maintain and advise client relationships
- Collaborate with internal stakeholders
- Develop and follow credit policies
- Prepare reports and analyses for management
- Monitor legal and regulatory compliance
- Review and interpret credit data
- Participate in internal audits and inspections
Requirements
Text copied to clipboard!- University degree in finance, economics, or business
- At least 3 years of experience in business lending
- Strong analytical and decision-making skills
- Excellent communication and negotiation skills
- Ability to work under pressure and independently
- Fluent in Finnish and English
- Experience in credit risk management
- Familiarity with credit systems and reports
- Good IT skills (e.g., Excel, credit systems)
- Attention to detail and organizational skills
Potential interview questions
Text copied to clipboard!- Describe your experience in business lending.
- How do you assess a client’s creditworthiness?
- How do you handle a situation where a client is insolvent?
- How do you ensure compliance with regulations and internal policies?
- Describe a situation where you had to make a difficult credit decision.
- How would you improve our credit processes?
- How do you manage multiple client cases simultaneously?
- How do you communicate a negative credit decision to a client?
- How do you monitor and analyze credit risks?
- Why do you want to work in this position?
