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The Leasing Recruitment Specialists

Credit Analysis and Control

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.

 

Credit Underwriter - New Business, The City

Ref: 1047

Basic £35-40,000, 15% bonus, plus excellent benefits

Underwriting business as part of the Business Finance Division of a City based bank. Joining an experienced risk team of six. Mainly broker introduced business, wheeled assets (not cars) and other “critical to the business” assets. Managing leasing and hire purchase proposals in accordance with delegated authority and to provide full credit analysis with recommendations when outside of that personal authority. Provide a first class, professional level of service, maintaining excellent relationships with all brokers by providing clear and prompt decisions. To contribute to business objectives in terms of new volumes, but ensuring the right blend of rate, collateral and credit quality in each transaction. The role also includes customers visits, when necessary, and provide detailed reports. Will need a confident and proactive approach.

 

Senior Credit Analyst, Thames Valley

Ref: 1044

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 £50k, but also looking at larger applications £200k/£500k, and occasionally higher. Liaise with various stakeholders in the business, and be confident with customers both face to face and by telephone.

 

Junior Risk Analyst - Smaller Ticket, Thames Valley

Ref: 1036

Basic £35-38,000, Bonus & Excellent Benefits

As part of their global growth strategy, this major international bank has a newly created requirement for a risk analyst with 2/3 years’ experience. The successful candidate will be a good all-rounder and with a “roll up your sleeves” approach. Seeking good analytical skills as well as strong negotiation and influencing skills. Includes researching, preparing and making decisions on credit applications. 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, handling proposals up to £150k. Liaise with various stakeholders in the business, and be confident with customers/brokers, both face to face and by telephone.

 

Collections Account Manager, Home Counties

Ref: 1020
          
Basic to £30,000 plus Bonus, excellent benefits

Major global lessor, seeking a new collections account manager to join a small team of four, chasing and managing arrears and defaults across all business channels of their business. Liaise with the 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. Knowledge of Alfa would be useful. Will suit someone living Berks/Surrey area.