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Credit Analysis and Control

Risk Manager - Middle Ticket, Greater London

Ref: 1125

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 Account Manager, South West London  

Ref: 1123

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. 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. 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.

 

Risk Manager - Middle Ticket, Thames Valley

Ref: 1115     

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

Major client immediately seeking a Risk Manager, responsible for maintaining their high quality and timely underwriting of new business transactions. Working within a team of 4 experienced Risk Middle-Ticket Managers, reporting to their Senior Risk Manager, 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.

 

Trainee/Junior Credit Underwriter, Berkshire  

Ref: 1105

Basic to £30,000, Annual Bonus, good benefits

A rare opportunity to join the credit team of a market leader providing specialist niche leasing funding and services. From offices in Berkshire they have built a strong market presence over many years, with operations across mainland Europe. Many major UK and European manufacturer programmes in place, including high profile brands. Part of a large listed City based Bank, with considerable growth plans including expanding their risk capabilities. This position reports directly into their Credit Director, to join a small team to train as a credit underwriter. Seeking someone with at least 2 years’ experience in leasing, perhaps currently in a sales support, collections or credit support type role, who can demonstrate a real interest in using their numeracy skills, attention to detail and commercial awareness. Perhaps with analytical qualifications ie. relevant A Levels/Degree. All necessary training will be provided in analysing statements and financial accounts, interpreting and evaluating data, and grading the strength of clients. Working to achieve their own personal sanctioning mandate. Will involve carrying-out credit reference agency and client related searches. A varied hands-on role, which will also require managing annual asset inspections on larger clients, handling collections and arrears, and regularly reporting any problem cases. Applicants must be highly organised and able to prioritise, with a confident telephone manner.

 

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.

 

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.