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Renaissance Asset Finance

2 months ago

Gatwick, United Kingdom Arbuthnot Latham & Co., Limited Full time
The Block Discounting & Wholesale division of Renaissance Asset Finance (RAF) provide finance to independent finance houses that want to use their loan books as security to develop their business.

Block Discounting is the purchasing of end-user finance agreements that must be assignable and originated by customers in Block. The agreements, for example, can be either regulated and/or unregulated; finance lease/HP; sale and leaseback, sale and HP back; secured loans; unsecured loans; and/or facilities secured on a variety of underlying identifiable assets. Most of the funded blocks will consist of agreements funding readily identifiable assets but RAF may fund portfolios incorporating unsecured loans where the borrower and underlying end user quality is considered satisfactory.

Wholsale differs slightly to Block Discountingas the agreements are not purchased and assigned to RAF but are captured by an all-asset debentureover the borrower.

Renaissance Asset Finance Limited (RAF) was established by its founder shareholders in February 2014. Following the exchange of contracts on 20thDecember 2016 between RAFs shareholders and Arbuthnot Latham & Co., Limited (AL), and subsequent regulatory approval, RAF became a wholly owned subsidiary of AL in April 2017. The Block Discounting and Wholesale division of RAF was created in August 2021.
Job purpose
To manage the auditing function of Block Discounting customers by physical visits and remotely via electronic means, ensuring balances on purchased agreements are sufficient to maintain security cover to an agreed level and to monitor the provision of additional agreements where shortfalls occur.

Scope/Dimensions of Role

Key relationships/interfaces: Block Discounting customers, vendors, and other financial institutions.

Job Responsibilities
Conduct reviews by visits, or electronically, at an agreed frequency relevant to the client.To report immediately any significant change in position of the company regarding arrears trends or security cover.To interrogate client systems and records to ensure agreements sold to the company are live and good, in order to calculate whether the cover ratio is within the set parameters.To assess and quantify shortfalls in security cover.To instruct the client promptly of any requirement for replacement cover.To liaise with colleagues in monitoring the receipt of any requested replacement paper.Chase outstanding security of replacement paper if necessary.To implement anti money laundering and KYC procedures laid down by the company.Maintain reporting on reviews in accordance with agreed frequency.To report generally on individual clients when necessary, from information gathered during customer visits or other contact.Report all issues of regulatory concern to the Block Discounting Director/ Bank Legal & Compliance Director.Communicate and escalate potential issues/risks in a prompt and effective manner.
Person Specification
Qualifications/Certification

None required.

Experience (type & level)
Extensive experience of asset finance in a wide range of market areasExtensive experience and knowledge of auditing practicesExperience of underwriting and general credit policiesExperience in the management of other members of staff

Technical/Specialist Knowledge & Skills

Technical
Knowledge and understanding of current Consumer Credit Act legislation, Data Protection laws, Anti Money Laundering and KYCComputer literate (good knowledge of MS Office suite - Excel, Word, Power-Point)

Interpersonal
Good numeracy skillsExcellent planning and organizational skillsExcellent verbal and written communication skillsAbility to empathize customer needs at board levelWell-motivated and proactiveFlexible and adaptableAnalytical thinking skillsSelf-confidenceDecision making skillsHigh work standardsAble to work under pressure and to tight deadlinesAccuracy and attention to detailProfessional and well-presentedAbility to manage and motivate others

Additional Information specific to role
Able to work extended hours when requiredMust have clean or near clean driving license
About Us
Life, Work and Benefits

Arbuthnot Latham is committed to equal-opportunities for all staff and candidates. We embrace inclusion & diversity and understand why they are critical for the success of our business and people.

Agile workingCompetitive salary, pension & holiday allowanceBUPA Health cover4x Life AssuranceIncome Protection schemeDiscretionary bonusMarket leading maternity/paternity and menopause policiesFlexible benefits

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