nls new logo£25,000 - £35,000 plus discretionary bonus and benefits.

Our client is seeking a Credit Analyst - UK, SE Eng / Thames Valley (ref: J2059) to underwrite and decision proposals emanating from hard and soft assets. You will also complete annual customer and vendor reviews where large exposures dictate and monitor portfolio performance for all relationships to ascertain the viability of each source.

 

Job Reference: CCV/J2059
Job Title: J2059 - Credit Analyst - UK, SE Eng / Thames Valley - Asset Finance
Salary: £25,000 - £35,000 plus discretionary bonus and benefits
Location: UK, SE Eng / Thames Valley
Bonuses: Discretionary
Benefits: Excellent
Job Function:  Credit Risk & Collections
Vacancy Type:  Permanent
Asset Type / Sector: All Assets / Sector
Job Description :

Our client is seeking a Credit Analyst - UK, SE Eng / Thames Valley (ref: J2059) to underwrite and decision proposals emanating from hard and soft assets. You will also complete annual customer and vendor reviews where large exposures dictate and monitor portfolio performance for all relationships to ascertain the viability of each source.

KEY ACCOUNTABILITIES:

Demonstrate a clear and detailed understanding of the risk acceptance criteria to be followed in underwriting credit proposals.
Assess and evaluate customer credit risk through in-depth business and financial analysis.
Review and approve/decline credit proposals within your approved credit authority.
Review and present for credit decision to the next level of credit authority, all credit proposals where the credit exposure exceeds the your approved credit authority.
Document and communicate credit decisions in a timely, clear and effective manner.
Undertake vendor reviews, including site visits where appropriate.
Interface with customers to resolve credit related issues, including on-site visits where appropriate.
Provide assistance and advice and where necessary negotiate with high-risk customers on deal structuring with a view to maximising the commercial opportunity without compromising credit quality standards.
Initiate and implement continuous credit process improvement to meet key operational business needs of acceptable turnaround times and high productivity whilst maintaining business controls within appropriate credit standards.
Be acutely familiar with the UK Region credit portfolio and have a comprehensive overview of the country portfolio’s impaired and non-performing assets and the recovery strategy on each.
Act as a consultation and reference point for the commercial and credit teams.
Undertake and complete tasks/projects such as the compilation of activity or portfolio metric reports and any other projects duties which contribute to the efficient and effective operation of the local credit team.

PERSON SPECIFICATION:

1-2 years' experience in a commercial finance / leasing environment in particular in a credit assessment role.
Strong and proven credit assessment skills at both deal and portfolio levels.
Knowledge of credit underwriting in a Role Based Pricing environment – would be an advantage.
Knowledge of commercial law, industry, political and economic environments across the UK Region.
Knowledge of local loan and lease documentation.
Ability to work under pressure and to tight deadlines.
Highly numerate.
Advanced Word, Excel and PowerPoint skills.

We strongly favour applicants with proven relevant experience in Financial Services; particularly in Asset Finance and Leasing.
 

Consultant : Katherine Amin