Credit Risk Specialist

2 days ago


Basingstoke, Hampshire, United Kingdom KION Group Full time

About the Role:

The purpose of this role is to provide independent and objective credit risk assessment, oversight, and portfolio management. It supports the KION Group in achieving its objectives by bringing a credit risk-based, systematic, and disciplined approach to evaluate the operational and credit risk of customers.

Key Responsibilities:

  • Exercise a personal sanctioning authority with diligence and care, ensuring file records/risk reports include an explanation of the degree of risk involved in extending credit with clear, concise, and rational recommendations for the credit decision and prepare papers for those transactions requiring higher authority decisioning.
  • Collaborate with Sales, Collections, and Operations to support profitable growth.
  • Follow Anti-Money Laundering (AML) and Know Your Customer (KYC) policies, controls, and procedures, as well as all other Compliance requirements.
  • Responsible for reporting on high-risk accounts and supports the collections team in respect of asset management, collections, and recovery activity.
  • Support the AML reporting officer in all regulatory reporting requirements.
  • Provide backup and support as required to other teams across the wider business.
  • Act as a subject matter expert, providing advice to colleagues.

Requirements:

  • Previously held lending mandate in asset finance or commercial banking environment.
  • Previous leasing experience (preferably materials handling or similar asset class).
  • Technical knowledge in the field of Credit.
  • Operationally strong and aware of risk, process, and procedure.
  • Ability to form strong relationships to promote cross-functional activity between sales, relationship teams, and back-office processing.
  • Independent thinker who is influential within the company at all levels.
  • Detailed understanding of the legal, financial, and operational aspects of Asset Finance and Structured Products.
  • Influencing at Senior level, attention to detail, accounts interpretation, credit analysis, ability to build relationships at all levels, coaching/mentoring.


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