​J2732 - Our client is seeking a Credit Analyst to acquire the maximum amount of retail business whilst providing maximum protection to the portfolio ensuring an efficient and empathetic underwriting service to the dealer network. This is a part office and part home based role and would suit a junior underwriter or someone with financial services sales support experience.

Salary: £30,000 plus excellent benefits and bonus. Location: UK, Bucks / SE Eng

KEY RESPONSIBILITIES:

• Make credit lending decisions or recommendations on consumer and corporate proposals.

• Structure a proposal within personal mandate to facilitate an approval.

• Analyse all aspects of credit proposals taking into account credit and asset risk and where necessary make direct contact with customers and professional bodies to obtain further information to support the decision making process.

• Confidently communicate rejection decisions to dealership staff and where necessary negotiate improved proposal terms to allow a positive outcome, whilst adhering to Data Protection law.

• Assist in fraud investigation when required, make contact with third parties to verify information and confidently speak to dealership staff to withdraw an approval when necessary.

• Provide assistance to all Dealer Service personnel at periods of peak pay out and when retail credit volumes allow, by taking incoming calls and administering original documents, etc .

PERSON SPECIFICATION:

• Demonstrable retail motor finance or finance industry experience.

• Numerate and proven analytical skills with the ability to interpret financial information to facilitate strong decision-making.

• A lateral thinker with awareness of risk and potential fraud scenarios.

• Good understanding of finance industry legislation including FCA Principles, Data Protection Act, Consumer Credit Act and Anti-Money Laundering.

• Clear, concise written and verbal communicator with good negotiation skills

We strongly favour applicants with proven relevant experience in Financial Services; particularly in Asset Finance and Leasing.