Senior Credit Analyst

3 days ago


Watford, Hertfordshire, United Kingdom Corporate Recruitment Solutions Full time
About the Senior Credit Analyst Role

We are seeking a highly skilled and experienced Senior Credit Analyst to join our team at Corporate Recruitment Solutions. As a Senior Credit Analyst, you will play a pivotal role in assessing and evaluating creditworthiness, conducting financial analysis, and providing recommendations for large ticket, structured transactions.

You will collaborate closely with internal stakeholders, analyse complex financial data, and contribute to the overall risk management strategy of the organization. If you possess a strong background in credit analysis, a deep understanding of the asset finance market, and thrive in a fast-paced and challenging environment, we invite you to apply.

Key Responsibilities:
  • Analyse the level of risk associated with credit requests from clients/suppliers and contribute to their subsequent approval.
  • Manage and process credit applications, including balance sheet analysis, generating and evaluating financial ratios, and using internal tools to evaluate a customer's financial status.
  • Prepare Credit Application Reports (CARs), make decisions regarding credit applications, and prepare and recommend credit requests for higher-level decision-making.
  • Monitor, coordinate, and advise on credit and risk profiles, corporate and external policies, regulations, and sales mandates.
  • Prepare structured financial analysis via ratio and peer group comparison, understanding the risks surrounding types of assets funded and the ability to realise assets.
  • Contribute to the development of local policies and regulations on credit and risk management.
  • Provide information, support, training, and align front and back office colleagues on credit and risk management.
  • Find workable solutions to closing new business opportunities.
  • Work closely with colleagues across the business - Sales, Collections, Asset Management, Legal, and Operations.
  • Identify ways in which credit processes can be improved to deliver efficiencies and implement changes.
  • Assist sales and deal negotiations by undertaking site visits to vendors and customers.
  • Maintain an interest in the wider economic environment and changes in market/asset sectors in the UK & Europe.
Requirements:
  • Minimum of 5 years of experience in underwriting/analysing transactions in a wide range of sectors within either a banking or asset finance business.
  • Proactive and well-prepared in risk and credit matters.
  • Knowledge of key systems and processes related to risk and credit management.
  • Excellent communication skills.
  • Experience in analysing and executing large value structured transactions of between £1m and £30m, particularly in the Direct Sector.
  • Experience of working closely with Relationship/Account Managers in Sales teams and helping them to structure large deals, identifying key risks within a deal and structuring accordingly to mitigate these risks.
  • Experience in funding both hard and soft assets.


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