Our client is a leading financial services institution who are looking for someone with either current creditleadership experience or someone who can demonstrate they have taken on added responsibility in their current role to give them experience to step up into running asmall ticket leasing credit function.
THE ROLE
* Analyse credit data and financial statements to determine the degree of risk involved in extending credit in all business channels for predominantly small ticket transactions, as well as supporting Non‑flow business where and when required
* Interpret and evaluate internal and external credit reference agency, broker and market reports to determine the degree of risk involved in extending credit. Confer, consult and undertake due diligence meetings with both internal and external credit associations and other business/customer representatives to clarify credit/collections information as and where necessary
* Generate and evaluate financial ratios, using internal credit tools, to evaluate customers’ financial status and where necessary undertake benchmarking to compare liquidity, profitability and credit histories of customers being evaluated with those customers within a similar or the same industry and geographic locations.
* Interpret and evaluate collateral curve analysis, in line with market, sector, and portfolio considerations to determine the degree of risk involved in extending credit
* Prepare domestic and external risk reports that include the degree of risk involved in extending credit for all Flow business channel transactions with clear, concise and rational recommendations for the credit decision
* Exercise a personal sanctioning authority with diligence and care and preparing recommendations for those transactions outside of the personal sanctioning authority.
* Maintain compliance with all leading industry guidelines and statutory regulations including consumer credit, treating customers fairly, anti‑money laundering and data protection
* Review existing transactions periodically to include the evaluation of payment history, purchase activity, collateral curve analysis, market/broker intelligence and prepare recommendations for the renewal of internal credit ratings/facilities
* Review current and non‑current customer/suppliers/third party introductory sources, in conjunction with Collections, to identify and limit the extent of delinquent accounts
* Timely completion of all risk reports within agreed service levels
* Regular updating of internal risk systems, including risk monitoring systems, to ensure that data integrity for the counterparties within the portfolio is accurately maintained
* Ensure that all transactions presented to risk for pay‑out meet the appropriate credit sanction and credit limit issued and that all documentation in respect of specific risk caveats has been provided and properly executed
* Attend business screening meetings with front office providing provisional risk comments on potential transactions. Co‑ordinate the credit process of assigned transactions, communicating with the necessary front office and marketing/sales/broker as appropriate
* Provide guidance and instructions to front office for efficient and productive risk identification, analysis, assessment and presentation
* Make recommendations for the ongoing development of systems, processes and practices to provide improvements in efficiency and capacity of the Non‑flow team and the business in general
* Participate in ongoing personal development to deliver on business/personal objectives
* Support the development of Risk managers through the identification of training requirements, to coach, monitor, nurture and enhance their abilities and skills
CANDIDATE REQUIREMENTS
* The ideal candidate will have a minimum of 3-5 years of credit experience, ideally with time spent analysing and interpreting financial statements/data from a variety of industries and commercial backgrounds
* Strong desire and confidence to manage and develop direct reports with support from Head of Flow; Ability to motivate, provide hands on coaching, hold regular 1:1 meetings, highlight performance management and absence issues when necessary is essential to this role
* Strong team‑player – the role requires is going to require someone to be very approachable, patient and flexible in their approach.
* Ability to communicate clearly, concisely and efficiently both verbally and in writing to peers and senior management alike
* Leadership capabilities alongside proven communication abilities evidenced by management and motivation of risk or frontline relationship teams
* Possessed of excellent analytical skills tempered with a sense of commerciality and business focus
* Possessed of a good knowledge of the asset finance industry and the various product offerings and types of funding facilities available
* Ability to competently and confidently analyse unsecured transactions in both the small ticket sector
* Good experience in credit, credit analysis and underwriting of small ticket essential with some consumer experience being of benefit
* Good experience in Risk assessment of unsecured and structured lending transactions
* Good Microsoft Word and Excel skills
* Professional telephone manner and demeanour
* Self‑disciplined, motivated and time efficient
* Act with integrity and embrace the philosophy of treating customers fairly
This is a great opportunity to be part of an ambitious yet accomplished player in the market.
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