Senior Credit Analyst

Job Title: Senior Credit Analyst - Asset Finance

About the Senior Credit Analyst Role

We are currently seeking a highly skilled and experienced Senior Credit Analyst to join our market-leading Asset Finance client. As a Senior Credit Analyst, you will play a pivotal role in assessing and evaluating creditworthiness, conducting financial analysis, and providing recommendations for large ticket, structured transactions. You will collaborate closely with internal stakeholders, analyse complex financial data, and contribute to the overall risk management strategy of the organization. If you possess a strong background in credit analysis, a deep understanding of the asset finance market, and thrive in a fast-paced and challenging environment, we invite you to apply and be part of our team!

As a Senior Credit Analyst,you will deliver timely commercially balanced credit recommendations within stated credit parameters to colleagues / credit committee. You will focus on large ticket structured transactions which will typically be between £1m and £30m.

As Senior Credit Analystyour responsibilities and duties will include:

The role will be responsible for analysing the level of risk associated with credit requests from clients/suppliers and contributing to their subsequent approval, in order to support the company in achieving the expected Risk Loss Targets.

The activities you will be involved in relate to credit and risk management, particularly in highly complex trading structures (customized payment conditions, agreements, proposals).

Specifically, you will be responsible for:

• Independent management and processing of credit applications, including balance sheet analysis, generating and evaluating financial ratios, using internal tools to evaluate a customer’s financial status, while adhering to internal and external regulations.
• Prepare Credit Application Report (CAR), make decisions regarding credit applications of local end customers, vendors, or resellers within own credit authority, as well as preparation and recommendation of credit requests for higher-level decision-making, including committee level.
• Gather information about customers/suppliers, using internal systems and processes, verifying their completeness and currency.
• Monitor, coordinate and advise on credit and risk profiles, corporate and external policies, regulations and sales mandates, in collaboration with the various departments involved.
• Prepare structured financial analysis via ratio and peer group comparison, understanding the risks surrounding types of assets funded and the ability to realise assets.
• Contribute to the development of local policies and regulations on credit and risk management.
• Provide information, support, training and align front and back office colleagues on credit and risk management.
• Find workable solutions to closing new business opportunities.
• Work closely with colleagues across the business - Sales, Collections, Asset Management, Legal and Operations.
• Identify ways in which credit processes can be improved to deliver efficiencies and implement changes.
• Assist sales and deal negotiations by undertaking site visits to vendors and customers.
• Maintain an interest in the wider economic environment and changes in market/asset sectors in the UK & Europe.
• Have a good understanding of compliance requirements in the UK.

About You

If you are currently in a Credit role or are currently working as an Underwriter this is the ideal next step in your career

Skills required for the Senior Credit Analyst role:

• Have a minimum of 5 years of experience of underwriting / analysing transaction in a wide range of sectors within either a banking or asset finance business.
• Be proactive and well-prepared in risk and credit matters.
• Possess knowledge of the key systems and processes related to risk and credit management.
• Have excellent communication skills.
• Have experience in analysing and executing large value structured transactions of between £1m and £30m particularly in the Direct Sector where we are dealing direct with the end user customer (rather than via Vendors / Suppliers / Dealers / Brokers).
• Have experience of working closely with Relationship/Account Managers in Sales teams and helping them to structure large deals, identifying key risks within a deal and structure accordingly to mitigate these risks.
• Have experienced in funding both hard and soft assets

For more information about the Senior Credit Analyst role or to apply send your CV now.