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Credit Analysis and Control

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.


Senior Collections Officer, near Reading

Ref: 1084

Basic £35-45,000, Bonus, plus good benefits

Our client has a newly created opportunity to join their small Collection Team. Seeking someone with 5 years plus experience in collections/debt recovery, and ready for a move upwards in terms of responsibilities. Likely to join to work alongside their existing Team Leader, is supporting and help overseeing a team of six in a very hands-on role. Daily contact with customers by telephone, email and letter to negotiate payment of any invoices past due. Transactions varying in size from £1,000 up to £5 million. Effectively handling inbound and outbound collections calls and respond to all enquiries efficiently. Review, monitor and action late arrears cases, liaising with external bodies/panel of asset recovery agents to best assist in the recovery of funds and equipment in need. Needing a target orientated professional, with a successful track record within Credit Control. Offering enthusiasm and energy and able to work in a fast-pace and highly rewarding environment. Must be customer focused and a keen team player, with a strong philosophy of ‘’helping customers to pay on time’’.


Credit Underwriter, Herts

Ref: 1078

Basic £45-53,000, Bonus, plus excellent benefits

Our client is a top European lessor, seeking a confident individual to join a busy risk team analysing and underwriting mainly mid/large ticket leasing deals. Working alongside experienced analysts, to deliver timely credit decisions within own underwriting authority, providing commercially balanced decisions. Making recommendations to credit committee where new business applications are above own mandate. Task-focused problem solver, able to manage and prioritise multiple requirements. Ensure regulatory compliance at transaction level, and give guidance to wider Operations/Commercial teams. Managed annual reviews of suppliers and participate in portfolio reviews in need. Have an organised and structured approach, and be comfortable working in complex environments with deadlines. Seeking a friendly and approachable individual and good team player working to reach common goals. Requires at least 3 years+ similar credit risk experience. Would ideally suit someone located North London/Northern Home Counties.


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.


Credit Analyst, Hampshire

Ref: 1063     

Basic c.£45,000, Good Bonus, excellent benefits

Our client is now seeking a Credit Analyst. Newly created position given their considerable growth plans. The leasing division of a well-established Bank. Focus on hard-asset new broker-introduced business ie Commercial Vehicles, Plant & Machinery, Construction, Agri etc. Mainly approving small flow proposals (not using an auto credit score system), analysing and make recommendations to their Credit Manager and/or Head of Credit for deals outside of their own delegated authority. Responsibilities will involve the completion of internal financial analysis models to support the credit underwriters in their overall credit assessment of proposals within agreed risk appetite, policy and delegated authority framework. Undertake credit and portfolio reviews. Build relationships with key internal and external stakeholders. Contribute to the underwriting team and wider areas of their asset finance business. Have a can-do attitude when reviewing proposals. Work closely with their Sales and Operations teams in considering time pressures, competitive landscape and customer journey. Deliver outstanding customer service both internally and externally, ensuring the quality of the asset finance portfolio.


Collections Officer, Hampshire

Ref: 1066     

Basic £30-40,000, Good Bonus, excellent benefits

Our client is a leasing division of a well-established Bank. Now seeking an experienced Collections Officer, to ensure the efficient and timely collection of asset finance arrears, by maintaining a pro-active collections strategy. This involves closely monitoring the asset finance portfolio and taking prompt action when accounts go into arrears, including telephone interview of arrears customers. Assessing best course of action that protects the bank, whilst at the same time treats the customer fairly. Pro-actively manage the portfolio using the Early Warning Indicators (EWI). Assess each arrears account and make recommendations to management. Identify accounts to be considered for litigation, and preparing instructions and liaise with external service providers. Ensure a consistently high quality of customer service to both external and internal customers.


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.


Collections & Recoveries Team Leader, Midlands

Ref: 1060

Competitive Package, including Bonus and excellent pension/benefits

Our client is a major lessor, seeking an experienced team leader for a global joint venture partnership. Offices in the Midlands, providing equipment finance both directly to customers and via a strong dealer network. The parent is a manufacturer (hard-assets), with an established well-known worldwide brand. This is a newly created role due to growth, to support their UK and Ireland operations. Managing a collections and recoveries team of 4, reporting directly into their Credit & Risk Manager. Needing at least 5 years’ experience, with proven people management skills. Responsible for all processing activities, in minimising risk, optimising returns and delivering best-in-class service levels. Manage all aspects of  arrears activities performed by the collections team. Liaison with field-based staff, dealers and outside agencies. Provide support when required to both front and back-office teams. Ensure full compliance with group policy and regulations. An organised and structured approach essential.


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.


Senior Underwriter, Thames Valley

Ref: 1055

Basic £40-50,000, plus bonus, good additional benefits

Well established leasing business, specialising in smaller ticket IT/Office Equipment, mainly via resellers and dealers. Looking to hire an experienced Underwriter, who will take responsibility for a small underwriting/funding team. Overseeing the team in the loading of lease proposals, completing credit searches, and underwriting for own book. Pre-underwriting leases using a large panel of 1st Tier banks/lessors. Will involve discussing applications, and monitoring such proposals. Managing turnaround times and updating Account Managers accordingly. Supervising and training their two junior underwriters in making the right credit decisions on flow applications - stepping into these roles when workload requires with a hand-on approach. Personally responsible for signing-off larger and more complex transactions, and those outside of their usual policies. Handling more challenging proposals, working with both internal and external parties. They have an auto scoring system, used for most applications - and reviewing and adapting the model will be a key responsibility. Must be able to work under pressure at a fast pace. Will ideally suit someone living in Berkshire, Surrey or Hampshire. 


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.