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Credit Analysis and Control

Credit Analyst, Hants  

Ref: 1002

Competitive Package, Usual Additional Benefits

Our client is a global leader, with a strong industrial brand, with the group operating across more than 100 countries worldwide. A rare opportunity has arisen within their UK Head Office, to support their leasing division expansion. Working within a small experienced team, underwriting both small and middle-ticket applications from various group dealers.   Analysing and reporting on credit worthiness, having due regard to leasing pricing, making recommendations on margins when required. Work closely with their manufacturer sales teams in terms of process, and providing final decisions. The role requires good interpersonal and communication skills in order to convey analysis results and rationale. Taking a polite but firm approach when needed. A strong team working ethic essential, having to interface with colleagues, operations, accounts etc, and needing to be able to work under pressure in a demand-led environment.  

 

Senior Credit Analyst, Thames Valley

Ref: 1001

Basic £50-60,000, plus bonus and excellent benefits

As part of their global growth strategy, this major international bank has a newly created requirement, seeking an experienced Credit Analyst to join their asset finance team. The successful candidate will be a good all-rounder and with a “roll up your sleeves” approach. Includes researching, preparing and making decisions on credit applications both via a credit matrix and through structured credit analysis. Exercise a delegated credit discretion for larger transactions, and recommend when a higher credit authority is required. Strong analytical skills including credit, accounting and financial analysis and good negotiation and influencing skills required. Ability to display commerciality and strong problem solving skills, with a thorough understanding of the UK equipment leasing market across various asset sectors, both soft assets - office equipment and IT assets, as well as “hard assets”. Average deals of £40/50k, but also looking at larger applications £200k/£500k. Liaise with various stakeholders in the business, and be confident with customers both face to face and by telephone.

 

Senior Credit Risk Analyst - Middle Ticket, The City

Ref: 0997     

Basic £70,000, Excellent Bonus, good additional benefits

Part of an international bank, with the strength and appetite to expand their portfolio massively in the UK. Focus on “hard assets” middle-ticket business - material handling, transportation, construction, industrial etc. This is a newly created post to support growth, underwriting new direct corporate applications, as well as deals introduced through selected brokers and partners. The department is engaged in the analysing and approving submitted credit proposals/revisions; challenging submissions where appropriate; advising business partners about credit structures (including complex highly leveraged transactions and structured products). To assess the value of the underlying assets, having a high degree of intimate market knowledge, and to co-operate closely with Relationship Managers and Asset Management. Initiating, challenging, testing and revising credit policies, whilst monitoring the credit portfolio in an autonomous and proactive way. Transfer knowledge on business and market analysis and lending, working closely alongside colleagues using your credit risk management experience.

 

Risk Manager - Middle Ticket, Thames Valley

Ref: 0994

Basic £55-70,000, Bonus & Excellent Benefits

Our client seeks a new experienced credit analyst to underwrite deals across various sectors/assets - Industry, Healthcare, Energy and supporting Vendor schemes. Part of a team of 5 experienced underwriters, led by a Senior Risk Manager, with transaction sizes typically £200k - £1 million. Performing high quality and timely credit underwriting of new business transactions within delegated authority. Develop effective, collaborative relationships with key stakeholders, engaging directly with end-users, introducers and other counterparties when required. Support the development of effective and reliable reports in order to monitor the efficiency of the team and monitor portfolio performance. Ensure all regulatory and compliance requirements are met. Sound knowledge of various asset finance products, structures, pricing/time value of money and documentation essential.

 

Collections & Recoveries Manager, Thames Valley

Ref: 0992

Basic to £55,000, Car Allowance, Good Bonus, plus excellent benefits

Major client seeking an experienced individual to lead and manage the activities of their Collections and Legal Recoveries team. Newly created role, responsible for 5 reports, ensuring efficient and effective arrears management in order to minimise potential losses through bad debts, to optimise operational performance, deliver within agreed budgets, set and meet all specified KPIs, and manage outsourcing relationships where appropriate. Manage the day-to-day performance of the Collections team to ensure the highest levels of quality customer service whilst minimising risk and costs. Drive a continuous improvement culture in line with policies, regulatory and customer requirements. Requires good negotiation and conflict resolution skills. Strong leadership experience essential.

 

Risk Manager - Small Ticket, Greater London

Ref: 0989

Basic £40,000, Bonus & Excellent Benefits

Our client, part of a major European Bank, requires a credit analyst with at least 3 years’ experience, to underwrite deals across various sectors/assets. Analyse credit data and financial statements to determine the degree of risk involved in extending credit in mainly sales-aid leasing/flow business. Interpret internal and external credit reference agency, broker and market reports. Generate financial ratios, using internal credit tools, to evaluate financial status and where necessary undertake benchmarking to compare liquidity, profitability and credit history of customers within a similar or the same industry and geographic locations. Reports to their Head of Credit.

 

Risk Leader - Small-Ticket Vendor Finance, Home Counties

Ref: 0987     

Basic to £67,000, Bonus, plus Company Car, with good benefits

Our Client is looking for a Senior Risk Manager to lead the Vendor Finance Risk team in delivering an efficient transaction and portfolio management service while meeting the needs of key stakeholders, delivering and maintaining a balanced quality portfolio. The role will involve leading a team of up to 8 Risk Analysts, reporting to their Head of Risk UK. Transaction sizes typically up to £200k. Will involve the management of the workflow and resourcing of the whole team, and make and facilitate decisions in response to credit requests from end-users, introducers, schemes and other counterparties. Lead the optimisation of processes, including auto decision tools. Ensure all regulatory and compliance requirements are met. Set targets and review performance for team members, including recruitment and discipline in need. Seeking higher level experience in risk management, team leader/ people-management skills, offering a proven record in managing and motivating direct reports.

 

Senior Underwriter, London 

Ref: 0985     

Basic £45-50,000 plus Bonus, good benefits

Working within the Leasing Division of a major Bank, alongside a team of 4 experienced underwriters. A newly created role, reporting directly into their Asset Finance Credit Manager. Analysing and structuring credit proposals, approving deals or else making recommendations for those outside of your personal discretion. Deals generally up to £1.5M, but average deals £50k-100k. Mainly “hard assets” - transport, construction, agri etc. Important to maintaining regular contact with the broker base to discuss/negotiate potential transactions. Spreading financial accounts and applying the Bank’s internal rating models. Research industry sectors and specific collateral to support the credit application process. Assist the Credit Manager in the preparation of credit papers and reports. Manage sanctioned proposals to drawdown, supported by their credit & administration team. Seeking an experienced confident individual, team player, and used to providing an efficient and professional service to brokers/clients.