K3232 - New Leaf Search has partnered with a global automotive leader in the Commercial & Specialty Vehicles market in their search for a Credit Analyst. You will provide the Credit Function with the skills and competencies to ensure the company make good credit decisions / recommendations based on recognised lending standards and within policy criteria. This will ensure the portfolio operates within acceptable performance standards of credit and risk management.
Salary: c£50,000 plus excellent bonus and benefits. Location: UK, Greater London / Essex (Hybrid)
Ensure that new proposals are verified, checked and a decision / recommendation made within a turnaround time that is acceptable to the business.
Use any authority and knowledge to ensure credit decisions minimise default and litigation cases.
Ensure that underwriting policies are in compliance with the requirements of any legal, fiscal or commercial requirements.
Undertake regular monitoring routines for both consumer and corporate business customers and to make recommendations when necessary.
Organise or participate in regular and ad hoc Credit Committee meetings to review and make recommendations relating to proposals.
Provide accurate and timely reports to management.
Support the UK Management team in all Risk compliance and Anti Money Laundering matters.
Provide support as required with Reporting and Impairment calculations.
Manage Credit line and existing large value exposures in line with Company policies.
Visit customers as requested to complete Credit work as required.
Skilled and experienced in underwriting business credit applications.
Understanding of credit in the Agricultural, Commercial vehicle and Construction sector’s would be distinct advantage.
Highly skilled in financial analysis for credit underwriting purposes, contract documentation and legal/ fiscal requirements to manage the portfolio in line with corporate goals.
Knowledge and experience of operating in a Regulated environment using all AML/KYC tools.
Possess excellent people skills and be an effective team player.
Excellent communication skills – both oral and written.
Well organised and capable of working on own initiative.
Eligibility to work in the UK.
Full clean Driving Licence.
Ability to travel around the territory, with some over-night stays, when occasionally, if rarely, relevant.
We strongly favour applicants with proven, relevant experience in Financial Services; particularly in Asset Finance and Leasing.
Applicants will only be considered with relevant in-country experience.