Senior Credit Analyst

Senior Credit Analyst

Hybrid, Blackbushe (Office based until probation is completed)

9am - 6pm, Monday to Friday

Join the UK's largest B2B used vehicle service

At BCA, we're altogether, more. More than just a normal vehicle remarketing company. More than just any other place to work. We're Europe's largest vehicle remarketing company, the backbone of the UK's automotive supply chain, the best place to build the career you want.

Now, this is where you fit in…

We're looking for down-to-earth people, with bags of energy, ready to make their mark on the automotive industry. This is your opportunity to play a critical role in how we operate as a business.

BCA Partner Finance provides simple, straightforward and convenient stock funding to BCA Dealers, helping their business to propose by increasing stocking capacity and liquidity.

We are looking for a Senior Credit Analyst role is to support the management team in reviewing new and existing customers' creditworthiness in line with the company's risk appetite and commercial focus, along with general account queries, reporting requirements and all forms of communication.

Key Responsibilities

• Credit Reviews: Prepare, analyse, and evaluate credit facilities on a prescribed review template in respect of new and existing customers using information from customers and third parties, financial accounts and various other sources of data
• Provide support in the administration of the credit department, handling applications, requests and queries from customers and other areas of the business including:
• Answering general queries including redirecting enquiries to the correct department
• Approval of temporary increases within delegated authority as per the Credit Policy
• Completing the administration process for management credit approavls
• Provide cover on the phones and credit mailbox
• Attending and collating minutes for Credit Approval Meetings with senior management
• Deputising for the Credit or Credit Operations Manager in meetings
• Participating in project work as and when required, including contributing to process imporvement work and testing
• Representing the Credit team in inter-departmental meetings

Key Skills

• Proven experience in credit underwriting and analysis of financial statements (full and management accounts) relating to businesses of all sizes, types and levels of complexity, including an understanding of company and non-incorporated business types
• Strong analytical skills to identify strengths and weaknesses in credit applications, plus anomalies that may require further investigation
• Excellent attention to detail in analysis and presentation is critical
• Good understanding of Excel/Word/PowerPoint
• Excellent verbal & written communication skills including report writing and presenting
• Desirable - CICM qualified level 3 or equivalent
• Desirable - experience in the automotive industry
• Credit Check required if successful

We've put everything in place to ensure you thrive. Competitive salaries, strong core values and an excellent benefits package that includes:

Onsite parking

Company Pension Scheme

Cycle to work scheme

An Employee Assistance Programme

Enhanced maternity, paternity, and adoption leave

Access to trained Mental Health First Aiders

Access to BCA Rewards which provides online and store discounts with a range of retailers

And so much more…

As the automotive industry changes, we're changing with it - putting our people in the front seat for the journey. We're the number one in what we do for a reason and that's because of the people we have on our teams. If you want to be a part of a business like this; unrivalled, exciting and appreciative of the work you do, join BCA.

We are proud to be Level 1 Disability Confident and committed to ensuring our recruitment process is inclusive and accessible.

Our policy is to employ the best qualified people and provide equal opportunity for the advancement of employees including promotion and training and not to discriminate against any person because of gender, race, ethnicity, age, sexual orientation, religion, belief, or disability.