Risk Management Specialist

4 weeks ago


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

We are seeking a highly skilled Risk Management Specialist to join our Treasury team at Car Benefit Solutions. The successful candidate will be responsible for supporting the Credit Risk Manager in underwriting and monitoring clients to ensure credit risk is carefully controlled.

About Us

At Car Benefit Solutions, we specialise in providing Employee Car Ownership Schemes and other customised car schemes. We have a strong reputation in the Automotive and Corporate sectors and are proudly recognised as a 2-star outstanding best company to work for.

Key Responsibilities

  1. Review and analyse credit reference agency and company accounts information to formulate recommendations for credit approval of automotive and corporate clients.
  2. Regularly review client facility limits and suggest appropriate action where clients approach or exceed facility limits.
  3. Work with Sales and Field Operations teams to obtain and review client information on a regular basis and ensure appropriate action is taken.
  4. Become the key point of contact for the sales and customer experience teams to respond to queries and requests regarding underwriting.
  5. Involvement in Anti-Money Laundering (AML) and compliance processes to ensure adherence to relevant regulations.
  6. Issue relevant letters/documents to default debtors in line with regulatory guidelines.
  7. Support the Credit Risk Manager with any risk and compliance tasks, specifically but not exclusively, in relation to FCA guidelines, consumer credit regulations and related activity across all scheme solutions and relevant business matters as appropriate.
  8. Keep accurate records for both the management of debts and credit risk underwriting using CRM systems.
  9. Attend training courses that are identified to assist in personal and role development.

Qualifications

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

Skills, Knowledge and Attributes

  1. Excellent written and verbal communication skills.
  2. Creative thinking, continually seeking improvements with the confidence to suggest and take ownership for initiating changes.
  3. Confident telephone manner, including the ability to deal with customers in difficult situations.
  4. Computer literate with a good working knowledge of MS Office applications, specifically Word and Excel.
  5. Ability to adopt a flexible and proactive approach to working in a rapidly growing business.
  6. Use own initiative to identify tasks required and carry out with minimal supervision, including covering for the Credit Risk Manager when necessary.
  7. Consistently demonstrate strong financial, analytical, and numerical skills.
  8. Customer service experience in a professional services or financial services environment.
  9. Previous experience of reviewing company accounts and financial information.
  10. Commitment to continuous professional development including relevant credit risk/debt management qualifications.

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