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Credit Analysis and Control

Risk Manager - Middle Ticket, Greater London

Base to £55,000, Good Bonus & Excellent Benefits

Our client, part of a major European Bank, requires a credit analyst with at least 3-5 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 for middle-ticket transactions. 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. Use collateral curve analysis in line with market, sector, and portfolio considerations. Review current exposures as well as non-current customer/supplier/ third party introductory sources. Reports to their Head of Credit.

 

Collections Officer, Thames Valley

Ref: 1081

Basic £25-28,000, Good Bonus, Excellent Benefits

Our client is a global bank, with their asset finance business supporting various sectors, including technology, healthcare, manufacturing, industrial and energy. Their considerable growth plans includes hiring a bright and enthusiastic Collections Officer to support the flow operations team. Collections activity will cover both regulated and unregulated agreements across a broad spread of customer types and financial products. Requires strong communication skills to correspond to and follow-up with customers in a fast-paced and efficient manner. You will naturally provide a high level of customer service to enable you to resolve collection issues and client discrepancies, issue customer refunds and action account adjustments. Also includes assisting where external agents are involved.

 

Collections Officer, Home Counties

Ref: 1091

Basic £23-27,000, Bonus, Excellent Benefits

Our client, a major international financial services provider, now seeking a Collector able to use their negotiation and excellent customer service skills to minimise company losses by collecting all overdue rentals in a timely manner. Via a mix of telephone, letter and e-mail. Chasing overdue rentals and minimising the number of agreements submitted to Legal Recoveries. Will also involve resolving customer complaints by working with introducers and internal sales team members where appropriate. With excellent communication skills and a positive and team orientated attitude, you will be working within structured processes, managing high volumes of cases efficiently and effectively. Must have a good knowledge and understanding of UK Insolvency and consumer credit laws; plus a sound knowledge of asset finance products, structures and documentation. The right candidate likely to be living in Berkshire or Bucks.

 

Compliance Officer, South West London

Ref: 1083

Basic £30-33,000 plus Bonus & Excellent Benefits

Major bank-owned European lessor, creating a new position to strengthen their existing  Compliance department. Ensuring compliance with all applicable regulation, industry standards and best practice, code of conduct, local and applicable group policies and procedures. A very varied role reporting into their Head of Compliance. The successful candidate will help them meet the FCA’s principle of TCF monitor, leading training sessions for the direct sales team ensuring consistent high quality interactions. Attend departmental team meetings discussing and raising awareness of topics. Deliver compliance inductions to all new joiners. Update and write internal policies and procedures and take full responsibility for these areas. Review and summarise regulatory updates. Carry out quarterly permanent supervision controls/ checks. Reviewing controls in line with audits. Must have excellent verbal and written communication skills, with strong focused on providing excellent service.

 

Credit Underwriter, Hampshire

Ref: 1072     

Basic £50-60,000, Annual Bonus, additional benefits

Well established specialist lending bank, offering a large range of leasing products across various sectors. Growth plans includes the hiring of a new Underwriter, offering good future career opportunities to the right individual. Working within an existing team of seven experienced underwriters, and responsible for delivering timely credit decisions within the Bank’s credit appetite. Working on new business applications £25k-500k, with some higher credit lines into the millions. Mix of broker and  manufacturer/dealers business. To deliver timely credit decisions in accordance with Credit policy, and providing commercially balanced recommendations where level is above the Underwriter’s personal mandate. Involving the preparation of credit papers for submission to the Credit Committee in need. Requires a sound knowledge of different asset types and lending structures, and comprehensive knowledge of interpretation of financial statements. Support the development of new initiatives, and drive continuous improvements by challenging processes and procedures. Build effective relationships within the business, including attending client visits as required.

 

Trainee Credit Analyst, South West London  

Ref: 1068

Basic c.£28,000 plus Bonus, excellent benefits

A rare opportunity to join a major lessor, to train as a credit analyst. Seeking someone with at least 2 leasing years’ experience, perhaps currently in a sales support or credit support role, who can demonstrate a real interest in numbers, attention to detail, and a good wide commercial awareness. Perhaps with analytical qualifications: A Levels/Degree. All necessary training will be provided. Initially the right candidate will provide effective and high quality administrative support across their Risk management team, helping minimise response times and maximise productivity in support of the wider business. Ensure that all transactions presented to risk for pay-out meet the appropriate credit sanction and credit limit issued and that all documentation in respect of specific risk caveats has been provided and properly executed. Analyse credit data and financial statements. Interpret and evaluate internal and external credit reference agency, broker and market reports to determine the degree of risk involved in extending credit. Working closely alongside the Risk Managers and other areas, to gain experience towards building knowledge across all core business sectors. Objective of achieving an entry level sanctioning mandate.

 

Collections Account Manager, South West London  

Ref: 1065

Highly Competitive Package     

Basic to £30,000 plus Bonus, excellent benefits

Major global lessor, part of a large banking group, seeking a new collections & recoveries account manager to join a small team chasing and managing arrears and defaults across all business channels of their business (including large Corporates, Authorities and Flow Business). Newly created role. Liaise with Head of Collections on serious delinquencies and help coordinate any actions required to minimise losses. Raise late payment interest invoices and follow through to ensure prompt payment. Ensure compliance with Consumer Credit legislation, and prepare all legal paperwork if required. Liaise with Asset Management to manage default outcomes while retaining best value for their assets. Be proactive in developing processes in improving systems. The right person needs to have excellent organisational skills and be a good communicator, particularly on the phone.

 

Risk Manager - Small Ticket, South West London

Ref: 1058

Basic to £50,000, 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 Analyst - Small Ticket, Thames Valley

Ref: 1048

Basic to £40,000, Bonus & Excellent Benefits

Our client seeks a new experienced credit analyst to underwrite deals across various sectors/assets. You will be part of an experienced team, led by a Senior Risk Manager, with transaction sizes typically up to £200k. Make and facilitate decisions in response to credit requests concerning end-users, introducers, schemes and other counterparties. Develop effective, collaborative relationships with key stakeholders. Assist in the optimisation of processes, including auto decision tools. Support the development of effective and reliable reports in order to monitor the efficiency of the team and monitor introducer and portfolio performance. Ensure all regulatory and compliance requirements are met.