Credit Analyst

Wholesale Corporate Credit Manager

Slough

45k plus 2x cars and great benefits

Job Purpose.

Reporting directly to the Corporate Credit Senior Manager, the Credit Analyst is a key member of the team responsible for managing credit risk on new and existing customers with large exposures.

The role - Credit Analyst / Credit Manager

• Conducting credit reviews on new and existing customers
• Spreading customer accounts and obtaining credit grades
• Preparing written credit reviews for submission to credit approvers such as the Senior Credit Manager, Credit Director or Credit Committees.
• Reviewing credit application documents prepared by other credit managers and granting approvals within agreed mandates, or declining / requesting further information as required.
• Ensuring that in-house Credit Underwriting Guidelines are followed in the preparation of credit reviews and the management of customers and their data.
• Ensuring all relevant documentation is retained, and customer files are "audit ready" at all times,
• Monitoring customers and responding appropriately to credit alerts.
• Participation in department planning and risk meetings,
• Ensuring timely compliance with the Corporate Credit Department’s objectives and deadlines,
• Liaising with the Dealer Finance and Sales Support departments on reviews in progress and administrative issues.

PERSON SPECIFICATION - Corporate credit manager

• Strong oral and written communication skills are essential together with proven analytical and decision making skills.

• Self-motivated, energetic and innovative.

• Willingness to work towards achieving goals in a changing and challenging environment.

KNOWLEDGE, EXPERIENCE, QUALIFICATIONS:

• Able to interpret financial statements, write credit reviews, and make recommendations about credit limits and security.

• Three or more years in a corporate credit evaluation role, with a personal mandate to approve credit limits.

• Experience in a unit stocking environment would be an advantage.