Asset Finance Credit Manager — Hybrid, Great Benefits

Cambridge & Counties Bank; Reading; Hybrid; GBP 45,000 - 65,000; Full time

Benefits offered by this job

Hybrid working

Bonus scheme

Pension contributions 10%

Private medical insurance

Life cover 4x salary

Income protection

Cycle to work

Electric car scheme

Perkbox discounts

Learning & development

Job summary

Cambridge & Counties Bank is seeking a qualified professional to support the Asset Finance (AF) and Classic, Vintage & Sports Cars (CV&S) sales teams in submitting mid-large ticket credit submissions for facilities over £500k. The role includes managing the existing AF and CV&S customer portfolio, including balloon refinance, annual reviews, novation and BSU duties.

You will operate as a conduit between the AF Sales and Credit teams to secure smooth, timely processing of decisions, while

Qualifications

• Deep knowledge of Asset Finance products, customer types, assets, risk and mitigants.
• Experience writing credit submissions and liaising with customers/brokers on risk.
• Good working knowledge of the UK Asset Finance market and asset depreciation basics.
• Comprehensive awareness of Conduct Risk and Treating Customers Fairly.
• Experience in a Specialist Car Finance environment is desirable.

Responsibilities

• Support AF & CV&S sales in submitting mid-large ticket credit submissions (>£500k).
• Manage the existing customer portfolio for Asset Finance and CV&S (balloon refinance, annual reviews, novation, BSU duties).
• Act as conduit between Asset Finance Sales and Credit teams to ensure timely decisions.
• Engage with customers/brokers on credit risk applications and regulatory requirements.
• Utilise Microsoft Office, Vienna, VAS and Brego in day-to-day processing.

Skills

Asset Finance knowledge

Credit submissions

UK market knowledge

CRA knowledge

Regulatory knowledge

Liaising with clients

Conduct risk

Specialist car finance

MS Office

Tools

Vienna

VAS

Brego

Job description

Cambridge & Counties Bank is seeking a qualified professional to support the Asset Finance (AF) and Classic, Vintage & Sports Cars (CV&S) sales teams in submitting mid-large ticket credit submissions for facilities over £500k. The role includes managing the existing AF and CV&S customer portfolio, including balloon refinance, annual reviews, novation and BSU duties.

You will operate as a conduit between the AF Sales and Credit teams to secure smooth, timely processing of decisions, while