Senior Credit Analyst

1 month ago

Camberley, United Kingdom BCA UK Full time

Job Title: Senior Credit Analyst


Location: Hybrid - Home working & BCA Blackbushe Office


Salary: £50,000 + Car Allowance + 10% Bonus


Working Hours: 40 hours per week Monday - Friday


Job Status: Permanent


Join the UK’s largest B2B used vehicle service


At BCA, we’re altogether, more. More than just your average vehicle remarketing company. More than just any other place to work. 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.


Now, this is where you fit in…


We’re looking for down-to-earth go-getters, who are ready to make their mark on the automotive industry. This is your opportunity to play a critical role in how we operate as a business. You’ll have the chance to build on your excellent customer service skills, pioneer new processes and drive BCA forward as part of one big collaborative team.


The core function of the credit team is to establish the suitability of BCA customers for a Partner Finance credit stocking facility. The senior analyst role is to support the senior management team in reviewing internal and external financial and non-financial information, in order to establish the creditworthiness of prospective and existing customers. This is done in the context of the company’s risk appetite and commercial focus, along with general account queries, reporting requirements and all forms of communication.


Main Responsibilities:


Credit Reviews


Prepare, analyse, and evaluate credit facilities on a defined review template in respect of new and existing customers using:


  • Documentation and information provided by customers, third-party sources and internal transactional data.
  • Analysing financial accounts to identify trends and specific data relevant to the recommendation and decision-making.
  • Following up queries and missing information directly with customers and the Commercial team to establish a clear view.
  • Consider forms of additional security that might enhance the credit risk profile of facilities recommended
  • Accurately maintain the credit proposal logs and other internal records.
  • Approve the satisfaction of Conditions of Approval to authorise review sign-offs.


Phones and Email


Participating in the administration of the credit department, handling applications, requests and queries from customers and other areas of the business including:


  • Answering general telephone and email queries relating to credit applications
  • Temporary credit limit increases to be presented to and authorised by management
  • Redirecting dealer enquiries to the correct department
  • Completing the administration process for management credit approvals
  • Provide cover on the phones/inbox as per the team rota.


To be successful, you’ll bring some of the following experience with you:


  • At least 4 years’ experience in credit underwriting and analysis of financial statements relating to SME’S in particular
  • Strong analytical skills to identify strengths and weaknesses in credit applications, plus anomalies that may require further investigation
  • Good attention to detail as accuracy is critical to assessing the level of risk in a new application or a live account
  • Good understanding of Excel/Word/Outlook/PowerPoint
  • Excellent verbal & written communication skills including report writing
  • Desirable - CICM qualified level 3 or above
  • Desirable - experience in the automotive industry



We’ve put everything in place to ensure you thrive. 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
  • Access to trained Mental Health First Aiders


And so much more…


As the automotive industry changes, we’re changing with it - putting our people in the front seat for the journey. We’re the number one in what we do for a reason and that’s because of the people we have on our teams. If you want to be a part of a business like this; unrivalled, exciting and appreciative of the work you do, join BCA.



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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