Credit Risk Analyst

We are looking for a role where you can combine analytical thinking with relationship-building and make a real impact in a growing business?

Reporting to the Finance Manager, as our Credit Risk Analyst you’ll monitor credit risk, process new credit applications, and work closely with our Credit Insurance Brokers.

You’ll also build strong relationships across the business, acting as a key link between customers and internal teams, supporting Credit Control when needed, and helping to ensure our policies are followed. Strong communication, attention to detail, and great organisation are essential.

Your responsibilities as a Credit Risk Analyst will be:

• Assist in assessing the creditworthiness of clients by reviewing financial statements, credit reports, and other relevant data.
• Serving as the first point of contact for Sales and liaising with the wider team where necessary.
• Maintaining strong relationships with key contacts and liaising between the customer and internal teams.
• Collaborating with teams internally to identify potential risks and recommend mitigation strategies
• Ensuring policies are adhered to, including external policies i.e credit insurance brokers.
• Managing and monitoring shared mailboxes
• Assisting Credit Control with day-to-day functions

About you

• Previous experience within a Credit Control/Accounts Receivable role is desirable but not essential as full training will be provided
• Demonstrate a high level of accuracy and attention to detail
• You will have a positive and professional attitude towards your work
• Excellent communication skills both written and verbal
• Enthusiasm and drive to learn
• Excellent time management and organisational skills with emphasis on prioritisation
• You will be IT literate with a sound knowledge of Microsoft Office & Outlook
• Flourish within an environment where you have the ability to work both as part of team and individually

About us

We’re Commercial – a purpose-driven, people-first organisation that’s on an exciting journey to reach a £100m annual turnover and beyond. But what really defines us isn’t just the numbers – it’s the people, the culture we’ve built, and the innovative spirit that drives us forward.

As Business Transformation Specialists, we combine original thinking with practical expertise to improve the everyday experiences and outcomes for our clients. Our areas of specialism include Managed IT, Smart Technologies, Digital Workspace, Interiors, Office Supplies, PPE, Facilities, and Workwear.

In August 2025, we proudly achieved Ecovadis Platinum status, placing us among the top 1% of companies assessed worldwide for sustainability.

We’re proud to be #commercialbynature – a team driven by values, sustainability, and continuous improvement.

And now is a particularly exciting time to join us. Our Commercial HQ is undergoing a full refurbishment – and you’ll be working in a brand new, state-of-the-art office space, purposefully designed to support creativity, collaboration, and wellbeing.

Our BenefitsWe believe that people thrive when they feel truly valued and at Commercial, we make sure that happens every single day. When you join us, you’ll enjoy a desirable benefits package designed to support your personal and professional wellbeing, reward your hard work, and help you flourish in all areas of life. Here’s what you can look forward to:

• A base salary of up to £25,000 per annum
• Hybrid working structure with the flexibility to work from home for part of the week
• A generous holiday allowance of 25 days plus bank holidays, which increases with length of service
• An enhanced family leave package to support you and your growing family
• Life Assurance, offering peace of mind with cover equivalent to four times your salary
• Access to health & wellbeing support – including 24/7 GP access, physiotherapy, and a confidential Employee Assistance Programme
• Free mortgage advice from leading broker Charles Cameron & Associates, available to you, your family, and friends
• Feel-good extras – including volunteering days, onsite parking at all four of our offices, free refreshments, an employee community platform to stay connected to like-minded colleagues, weekly company-wide Learning Days – a chance to share ideas, gain fresh insights, and explore a wide range of topics together, cycle-to-work and EV schemes, flexible working options, and much more!

Training and Development

At Commercial, we invest in our people, 86% of our Senior Managers and 80% of our Directors have been promoted within. Whether you're just starting out or looking to grow, your development journey is as unique as you are – and we’ll support you every step of the way by offering training and development opportunities for career growth.

Diversity & Inclusion

At Commercial, we believe our differences make us stronger. We are committed to creating a workplace where everyone feels seen, heard, and valued – no matter your background, belief, identity, or way of life.

We’re proud to stand beside one another through life’s ups, downs, and everything in between. Our Diversity & Inclusion initiatives – including support around menopause, neurodiversity, mental health, and more – are just one of the ways we look out for each other and celebrate what makes us unique.

We hire people, not checklists. So even if you don’t tick every box in the job description, we’d still love to hear from you. Your potential, passion and perspective might be exactly what we’re looking for!

We are an equal opportunity employer and welcome applications from all individuals, regardless of race, ethnicity, gender identity, age, religion, disability, sexual orientation, or socio-economic background.

To learn more about who we are, our values, and how we protect your personal data during the recruitment process, please visit our website and review our Job Applicant Privacy Policy https://commercial.co.uk/careers.