Credit Risk Analyst
4 days ago
I am urgently seeking an experienced **Credit Risk Analyst,** for a key client of mine based in Redhill (this is an office based role so you will need to be able to get there on a daily basis).
Reporting to the Credit Risk Manager, you will be based within the Income & Operations department who are responsible for limiting the bad debt risk through enforcement of the credit risk policy and thorough analysis and understanding of the customer portfolio.The role involves the management of credit risk processes across a variety of sales channels including detailed credit analysis, relationship management, portfolio analysis and credit insurance management. The key function is to add value to the business whilepreventing financial loss or unsecured risk.
**Duties as the credit risk analyst will include**:
1. Responsibility for credit vetting of all new and renewal business proposals in line with agreed SLA and DOA process.
2. Produce monthly statistical analysis and reporting on all credit vetting activities including adherence, acceptance and declined rates.
3. Continually strive to improve the vetting process considering accuracy, speed, quality of service and reporting.
4. Assist Credit Risk Manager in implementing changes to the Credit Policy and internal processes.
5. Provide training when required on different aspects of Credit Risk to other departments of the business
6. Produce specific detailed customer reviews where required
7. Review accounts for self-insurance
8. Review all adverse insurance decisions and if required submit appeals on behalf of the company
9. Support the effective management of the insurance processes
10. Manage the high-risk ledger and assist credit control team in the resolution of specific issues
11. Attend sales or customer meetings to resolve credit issues when required
12. Manage all ad hoc requests into the Credit Risk inbox
13. Provide credit expertise to sales when required to assist with securing new business
14. Responsibility for managing activities to ensure all relevant HSE risks are appropriately mitigated
**QUALIFICATIONS / EXPERIENCE REQUIRED**
Minimum 2 years’ Experience in a credit related roles
High Standard of Excel Skills
Experience of data analysis, manipulation and reporting
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