Senior Credit Analyst Blackbushe, hybrid (3 days per week in the office once probation is complete) £55,000 - £58,000 plus up to 10% bonus and company car 40 hours per week Monday – Friday BCA are the biggest name in Europe’s vehicle remarketing industry, backed by the Constellation Automotive Group, we’re part of a family including cinch and WeBuyAnyCar.com. We’re growing rapidly and are on a key digital transformation journey. Constellation Automotive Group is the largest vertically integrated digital used car marketplace in Europe, combining the leading digital brands across the segments of consumer to business, business to business and business to consumer. We offer competitive salaries plus attractive benefits, unrivalled support to progress and flexible remote working. BCA Partner Finance provides simple, straightforward and convenient stock funding to BCA Dealers, helping their business to propose by increasing stocking capacity and liquidity. We are looking for a Senior Credit Analyst role is to support the management team in reviewing new and existing customers’ creditworthiness in line with the company’s risk appetite and commercial focus, along with general account queries, reporting requirements and all forms of communication. Key Responsibilities Credit Reviews: Prepare, analyse, and evaluate credit facilities on a prescribed review template in respect of new and existing customers using information from customers and third parties, financial accounts and various other sources of data Provide support in the administration of the credit department, handling applications, requests and queries from customers and other areas of the business including: Answering general queries including redirecting enquiries t the correct department Apprval of temporary increases within delegated authority as per the Credit Policy Cmpleting the administration process for management credit approvals Prvide cover on the phones and credit mailbox Other DRPTF06.05.2022 V1.0 Attending and cllating minutes for Credit Approval Meetings with senior management Deputising fr the Credit or Credit Operations Manager in meetings Participating in prject work as and when required, including contributing to process improvement work and testing Representing the Credit team in inter-departmental meetings Key Skills Proven experience in credit underwriting and analysis of financial statements (full and management accounts) relating to businesses of all sizes, types and levels of complexity, including an understanding of company and non-incorporated business types Strong analytical skills to identify strengths and weaknesses in credit applications, plus anomalies that may require further investigation Excellent attention to detail in analysis and presentation is critical Good understanding of Excel/Word/PowerPoint Excellent verbal & written communication skills including report writing and presenting Desirable - CICM qualified level 3 or equivalent Desirable - experience in the automotive industry Credit Check required if succesful We are proud to be Level 1 Disability Confident and committed to ensuring our recruitment process is inclusive and accessible. Our policy is to employ the best qualified people and provide equal opportunity for the advancement of employees including promotion and training and not to discriminate against any person because of gender, race, ethnicity, age, sexual orientation, religion, belief, or disability. INDLP