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Credit Analysis and Control

Risk Manager - Middle Ticket, Thames Valley

Ref: 1213     

Basic to £65-70,000, Bonus, with good benefits

Major client seeking a Risk Manager, responsible for maintaining their high quality and timely underwriting of new business transactions. Working within a team of experienced Risk Middle-Ticket Managers to deliver and ensure a balanced quality portfolio. Transaction sizes in excess of £250k, averaging £350/450k, typically up to £1M. Predominantly hard-assets, but also high-end hi-tech/software deals. Provide appropriate advice to sales teams to ensure that commercial opportunities are maximised without compromising effective risk management. Develop collaborative relationships with key stakeholders, engaging directly with end-users, introducers and other counterparties as required. Conduct regular reviews of existing operational guidelines/ customers/ groups/ vendors in accordance with policy. Needs excellent communication as well as strong negotiation skills. The right candidate will ideally have at least 5 years’ experience in a similar role.

 

Risk Manager - Smaller Ticket, Greater London

Ref: 1210

Basic £47,500, plus good bonus, excellent benefits

Our client, part of a major European Bank, requires an experienced credit analyst 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 industry and geographic locations. Prepare domestic and external risk reports. Review existing transactions periodically, and regularly update their internal systems for risk monitoring. Make recommendations for the ongoing development of processes and practices. Reports to their Risk Team Leader.

 

Risk Team Manager - Middle Ticket, Thames Valley

Ref: 1204     

Basic £70-85,000, Good Bonus, Car Allowance, with excellent benefits

Our major client is seeking a Risk Manager to lead a team of 4 experienced underwriters. Underwriting Middle-Ticket transactions (those exceeding £250k). Requiring strong analytical skills. Essential that applicants have demonstrable team leader/people management experience, and the ability to coach, inspire and motivate direct reports. Will need to set targets and development plans to monitor personal performances. The risk team engages directly with end-users, introducers, vendors, industrial schemes and other counterparties; and it is key that they continue to develop effective and collaborative relationships. Managing workflow and resources, optimising processes, including improving the scope and effectiveness of auto decisioning tools and other digital resources. An important leadership position, to facilitate their ambitious growth plans in expanding into new markets and embracing new technology. Assisting with new products. Regularly reviewing Guidelines and Policies. Ensuring all Regulatory and Compliance requirements are met. Offering hybrid working, needing to attend the office only 2-3 days a week.

 

Risk Manager - Middle Ticket, Greater London

Ref: 1152

Base c.£65,000, 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.

 

Risk Team Leader - Small Ticket, Surrey

Ref: 1146

Base c.£55,000, with good Bonus & Excellent Benefits

Our client has a wide market focus, providing vendor and equipment finance across all sectors. Team Leader responsibilities will include the day to day supervision of a team of 4 credit analysts. Managing business flow, splitting proposals between each analyst, prioritising deals and overseeing the business cycle. It will include training and/or people development, monitoring progress through regular one-to-one sessions with team members. The team will be responsible for the expert evaluation and underwriting of all business channels in line with agreed risk policies. Maintaining and promoting good governance, credit processes and agreed service levels for all business origination, approvals, collateral, and restructuring. Handling predominantly Flow/Small Ticket transactions, whilst also providing support for middle ticket business when required. Seeking a confident candidate with a minimum of 3-5 years of credit experience, with a strong desire to manage and develop direct reports with the support from Head of Credit.

 

Collections Team Leader, Greater London  

Ref: 1196     

Basic £35-38,000 plus Bonus, excellent benefits

Major client, seeking a senior collections officer to manage a team of Collections Account Managers/Recoveries Managers, reporting directly into their Head of Collections. A very hands-on role, with the need to handle more complex arrears cases. The team is charged with chasing and managing arrears and defaults across all business channels of their business. Ensuring compliance with Consumer Credit legislation, and preparing all legal paperwork. Close personal involvement with developing processes and improving systems. The right candidate with have strong mentoring and training experience to offer support, guidance and assist the Team in resolving any issues arising. Identify personal  development needs, and conducting team member appraisals. Requires excellent organisational skills and be a good communicator.

 

Collections Account Manager, South West London  

Ref: 1195   

Basic to £30,000 plus Bonus, excellent benefits

Major global lessor, seeking a new collections account manager to join an experienced team, chasing and managing arrears and defaults across all business channels of their business. Build good external relationships to ensure prompt payment of arrears from their broker and vendor partners. Liaise with the Team Leader and Head of Collections on serious delinquencies and help coordinate any actions required to minimise losses. Ensure compliance with Consumer Credit legislation, and prepare all legal paperwork as required. Manage the billing of late payment interest where required. 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. Will suit someone living Berks/Surrey area - though some hybrid working from home available.

 

Credit Risk Analyst - Small Ticket, Thames Valley

Ref: 1193

Basic c.£45,000, Bonus & Excellent Benefits

Our client seeks an experienced small ticket credit analyst to underwrite deals across a mix of assets and sectors. You will be part of an experienced team of 4, reporting into a Senior Risk Manager. Transaction sizes typically up to £250k. Make and facilitate decisions in response to credit requests, dealing with end-users, introducers, and supporting established vendor finance schemes. Develop effective collaborative relationships with key stakeholders. Assist in the optimisation of processes, including auto decision tools. Provide effective and reliable reports in order to monitor efficiency, and monitor introducer and portfolio performance. Ensure all regulatory and compliance requirements are met, whilst regularly reviewing guidelines and policies. Hybrid working available - might involve attending the office only 2 or 3 days a week.

 

Credit Risk Manager, Home Counties 

Ref: 1169
               
Basic £45-50,000 + Bonus, Usual Benefits

This is a new role which will strengthen our clients existing small credit risk team. Responsibility for underwriting SME proposals to support their rapidly growing asset finance business. Prepare concise but informative credit reports, and approval/recommending proposals generally up to £250k. To consider restructuring when required. The right individual needs to be quietly confident, needing to liaise with customers and business introducers quite regularly, and also visiting potential customers on an ad-hoc basis depending on size of the transaction/type of customer. Reporting directly to their Head of Credit. Broad knowledge across various assets, with broker introduced business experience preferred. Will suit someone living Berks/Hants area. Impressive modern offices.

 

Senior Credit Analyst, Hertfordshire

Ref: 1134

Competitive Package, including Bonus, excellent benefits

Our client, major international lessor, is seeking an experienced analyst to focus on large ticket structured transactions, typically between £2.5m-£30m. Mainly underwriting their Direct Corporate deals covering a wide range of assets/sectors. Obtaining and analysing financial, asset, market, legal and contractual information. Prepare structured financial analysis via ratio and peer group comparison, in completing credit application reports as a sound basis for decision-making by risk committee. Attend meetings and calls to complete due diligence and help support the sales process on such large/complex transactions. Needs to have an organised and structured approach, whilst being comfortable working in complex environments and meeting tight deadlines. Role will include providing advisory guidance to commercial teams on risk policy, processes and procedures. Will also work closely with Relationship/Account Sales Managers in helping them structure larger deals.

 

Collections Officer, Hertfordshire

Ref: 1128

Basic c.£30,000 plus Bonus, excellent benefits

Our client, major lessor, seeking an experienced Collections Officer to join a small team managing the timely collection of outstanding customer payments. Responsible for minimising costs, optimising returns whilst sustaining customer satisfaction. Newly created position. Covering a number of industries, from Construction, Transportation, Agriculture through to Office Technology, Healthcare & Clean Technology. Will ideally suit individuals living in Herts, N/West London or possibly Berkshire.