Credit Risk Analyst
3 days ago
We are currently working with a Hertfordshire based finance and banking group that funds, and lends to, retail and business customers across the world. Our client is currently expanding their team and is looking for an experienced Credit Risk Analyst, whowill support the activity of third party partners through the provision of wholesale funding lines within the company’s risk appetite enhancing partner and commercial activity. The role offers hybrid working and highly competitive benefits, including a car.
- 3 years previous experience in Commercial Credit Underwriting and analysis of financial information
- Report writing skills to generate balanced and informed credit proposals
- Good communication skills
- Ability to prioritise workload and adapt quickly to events as they arise.
- Good interpersonal skills - ability to build relationships at all levels
- Effective negotiation skills.
Primary Responsibilities:
- Preparation of proposals for new and existing dealers for the provision of wholesale funding requirements to support commercial performance and manage within company’s risk appetite.
- Complete analysis of dealer statutory accounts and other financial information to support proposals
- Manage key relationships with dealer senior management, third party manufacturers, and the credit risk team
- Negotiate security & priority agreements with dealer management where necessary
- Ensure that all Anti-Money Laundering and Know Your Customer checks and ongoing monitoring are completed
- Manage insolvency situations
- Monitor & manage risk indicators (e.g., dealer stock audits, unpaid debts, over limit reports).
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