Senior Credit Analyst - Asset Finance
£55,000 - £65,000 + 20% Bonus + 12 Pension + Life Cover + Private HealthCare
Hybrid working - 3 days in office
The Role:
Underwriting and evaluation of credit and transaction risks through completion of credit applications for new and existing customers in UK and Ireland.
Responsibilities:
- Analyse and underwrite transactions under own authority for all types of assets
- Analysis of customer creditworthiness (via financial data, credit and sector reports etc. including customer visit).
- Risk evaluation of the deal structure (including collaterals, asset values, evaluation of exposure, etc.)
- Preparation of credit applications for deals above own authority
- Pre-qualification of deals with Sales
- Full compliance with all Risk Policies
- Adherence to decision making according to the authority matrix
- Compliance with rating systems
- Risk Reporting
- Organise and maintain credit files
- Novation and reschedule decisions
The Candidate:
- Work under own initiative
- Demonstrate highest level of integrity and professionalism
- Strong analytical skills
- Ability to work accurately under pressure
- Ability to interact maintaining good lines of communication with all internal colleagues (especially Sales) as well as external customers
- To work within agreed policies and procedures and with due regard to Equal Opportunities and Health and Safety considerations
- Prepared to work as necessary at busy periods.
- Compliance with KYC and AML requirements on an ongoing basis and report any issues as required
Salary and Benefits:
£55,000 - £65,000 + 20% Bonus + 12.5 Pension + Life Cover + Private HealthCare
Hybrid working - 3 days in office, 2 days from home.