Credit Risk Analyst

3 weeks ago

Camberley Surrey, United Kingdom BCA UK Full time €45,000

Job Title: Credit Risk Analyst
Location: Hybrid (Home working & BCA Blackbushe)

Working Hours: 40 Hours, Monday - Friday

Permanent

Join the UK’s largest B2B used vehicle service

We’re Europe's largest vehicle remarketing business, the backbone of the UK’s automotive supply chain, and the best place to build the career you want.

Assist the Risk Manager and the business with developing and maintaining the risk management framework. including working with reports and data identifying potential and actual credit risks amongst the live customer portfolio

Identify relevant potential areas of risk relating to sold vehicles, ageing stock, counterparty risk, and overall portfolio risk by reviewing negative behavioural trends and making recommendations to mitigate such risks, including the ongoing management of accounts. Mitigate the risk of new customer applications by searching Companies House, The Insolvency Service, public domain websites and other third-party registries.
Help to plan and organise large multisite customer audits in conjunction with our Regional Audit Managers to ensure the efficient and effective overall deployment of audit resources.
Ensure all customers are continually monitored, including Guarantors and personal assets, via third party Credit Reference Agent(s) and websites.
Retrospectively analyse of Potential Loss cases to identify opportunities to mitigate losses in the future by enhancing Risk controls.
Complete periodic audits with the Asset Registration Agencies, HPI, Experian & CDL to ensure Partner Finance Interests are recorded.
Monitor and control the additional security database to ensure that collateral cover is maintained, including charges over unencumbered stock and property charges.
Monitor market trends in vehicle pricing/sales and use this information to identify heightened risk positions within the portfolio.

Educated to Degree level and/or relevant experience in a commercial Risk environment within the finance/credit industries.
Ability to read, analyse and interpret financial statements is desirable.
Excellent numerical skills, with good Microsoft Office skills in Excel and Access are essential.
Understanding of current Macro/Economic Risks.
Experience in asset-based lending would be advantageous.
Competitive salaries, strong core values and an excellent benefits package that includes:

Company Pension Scheme
Private Medical Insurance (role dependent)
An Employee Assistance Programme
Enhanced maternity, paternity, and adoption leave
As the automotive industry changes, we’re changing with it - putting our people in the front seat for the journey. If you want to be a part of a business like this; We are proud to be Level 1 Disability Confident and committed to ensuring our recruitment process is inclusive and accessible.

Our policy is to employ the best qualified people and provide equal opportunity for the advancement of employees including promotion and training and not to discriminate against any person because of gender, race, ethnicity, age, sexual orientation, religion, belief, or disability

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