Credit Risk Analyst

4 weeks ago

Manchester, United Kingdom WEX Europe Services Limited Full time

About the Role

WEX Europe Services Limited is a leading provider of Fuel cards, managing a range of flexible fuel cards in several key markets across the continent. Due to ongoing growth, we are looking for a Credit Analyst to join our Credit team.

The Credit Risk Team is responsible for monitoring customers' spend against their authorized credit limits, understanding changes in volumes, customers' needs, and reassessing for increases to credit limits. Underwriting all applications across eight issuing countries in Europe, assessing and measuring the risk of extending credit to all applicants. Proactive Portfolio Management ensuring continuous monitoring of the financial condition and performance of our customers.

Key Responsibilities

  • Assess and measure the risk of extending credit to all applicants
  • Assess and evaluate the financial position and credit worthiness of all applications
  • Interpret and translate financial statements, including balance sheets, P&L statements, and management accounts
  • Strive to accept all business, through accepting and controlling the higher risk customers – by means of reduced terms, securities, etc.
  • Minimize the risk to the business with a strong focus on fraud screening
  • Proactive monitoring through control reports
  • Working with multiple European portfolios
  • Assess, manage, and report exposure position to determine the level of risk
  • Overtrade management where the customer exposures can rapidly change
  • Assessing customer accounts using information gathered, and making an informed decision within credit parameters with commercially balanced recommendations
  • Analysis of customers' financial statements and B2B credit reports
  • Maximizing volume opportunity and growth in line with business goals
  • Customer contact and daily interaction with the In-Country credit teams and Sales teams
  • Building and maintaining strong relationships with all Credit teams, Sales teams, and Customer Service Advisors
  • As part of the team, provide support/cover for other roles within the Credit department when required

Requirements

  • Proven analytical skills with the ability to assess financial information
  • Previous experience in Credit Underwriting/analyst or a similar role
  • Experience of dealing with the main credit reference agencies
  • Strong administrative skills – capturing and recording data, data reconciliation
  • Advanced Excel Skills
  • Preferred experience for consideration: knowledge of underwriting in European countries, underwriting experience in a B2B environment, exposure to, or previous experience of the Fuel Card Market, Dutch/Flemish/French language skills would be advantageous but not essential

What's next?

If you believe you have the passion to join our team as a Credit Analyst, please apply today for immediate consideration.

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