Senior Credit Risk Associate

4 weeks ago


Bury, Borough of Bury, United Kingdom Car Benefit Solutions Full time

About the Role

We are seeking a highly skilled Credit Risk Specialist to join our Treasury team at Car Benefit Solutions. As a key member of our team, you will be responsible for supporting the Credit Risk Manager in underwriting and monitoring clients to ensure credit risk is carefully controlled.

Key Responsibilities

  • Review and analyse credit reference agency and company accounts information to formulate recommendations for credit approval of automotive and corporate clients.
  • Regularly review client facility limits and suggest appropriate action where clients approach or exceed facility limits.
  • Work with Sales and Field Operations teams to obtain and review client information on a regular basis and ensure appropriate action is taken.
  • Become the key point of contact for the sales and customer experience teams to respond to queries and requests regarding underwriting.
  • Involvement in Anti-Money Laundering (AML) and compliance processes to ensure adherence to relevant regulations.

Requirements

  • GCSE English & Mathematics A-C or equivalent (Essential)
  • Educated to A Level (Desirable)
  • CICM qualification or working towards (Desirable)

Skills and Attributes

  • Excellent written and verbal communication skills.
  • Strong attention to detail, and meticulous organisation skills.
  • Excellent interpersonal skills with the ability to work effectively with internal and external stakeholders.
  • Creative thinking, continually seeking improvements with the confidence to suggest and take ownership for initiating changes.
  • Confident telephone manner, including the ability to deal with customers in difficult situations.
  • Computer literate with a good working knowledge of MS Office applications, specifically Word and Excel.
  • Ability to adopt a flexible and proactive approach to working in a rapidly growing business.
  • Use own initiative to identify tasks required and carry out with minimal supervision, including covering for the Credit Risk Manager when necessary.
  • Consistently demonstrate strong financial, analytical, and numerical skills.
  • Able to work with a degree of autonomy with the confidence to seek guidance where necessary.
  • Ability to work in line with CBS Core Values of pride, integrity, accountability, continuous improvement and enjoyment.

Benefits

We offer a competitive salary range of £26,000 - £30,000 per annum, a comprehensive induction plan, and a hybrid working model blending both office and remote work based on business needs.



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