Credit Analyst – Asset Finance

CBC Resourcing Solutions; Chester; Hybride; GBP 42 000 - 65 000; Plein temps

Résumé du poste

CBC Resourcing Solutions is partnering with a well respected name in the UK asset finance sector to recruit an experienced credit analyst. The role focuses on underwriting new credit applications for hard assets across manufacturing, construction, recycling and agricultural equipment.

The candidate will assess asset values, reference third-party valuers and market guides, and ensure adherence to credit policies while supporting Sales, Operations and Collections.

Qualifications

• Experienced credit underwriter with hard asset finance background.
• Experience with manual underwriting, not scorecards.
• Strong understanding of credit risk and assessment processes.

Responsabilités

• Underwrite proposals and assess credit applications to meet risk standards.
• Maintain knowledge of asset types such as hire purchase, finance and operating leases.
• Assess asset values and refer to third-party valuers and market guides when needed.
• Verify group credit limits and ensure appropriate authority usage.
• Support Sales, Operations and Collections to maintain strong customer relationships.
• Manage credit queues, meet SLAs and KPIs.
• Attend site visits and trade shows to monitor market trends.

Connaissances

Credit underwriting

Hard asset finance

Manual underwriting

Description du poste

Our client is a well respected name in the UK asset finance sector.

They are looking to appoint an experienced credit analyst who will be responsible for assessing new credit applications for a range of hard assets to include manufacturing, construction, recycling and agricultural equipment.

Key responsibilities include

• Underwrite business propositions and undertake credit assessments, ensuring company credit risk standards, procedures and authorities are met, that broader transaction risks are identified, evaluated and mitigated
• Maintain a good working knowledge of typical product types - e.g., Regulated and non-regulated Hire Purchase, Finance and Operating Lease, Stocking facilities, etc.
• Assess asset values and depreciation, with an awareness of market appetites and with reference to 3rd party valuers, internet comparisons, known sector guides - e.g., CAP - auction sites, dealers, and their own and others' personal knowledge and experience.
• Verify broader group credit limits as appropriate and thereby ensuring correct use of mandated authority.
• Demonstrate a proactive and positive approach to supporting the Sales, Operations and Collections functions.
• Ensure credit queues are well managed and SLAs and KPIs met.
• Undertake site/customer visits, as required, along with trade shows, to ensure awareness of ongoing trends and developments within the various sectors the role supports.

We are looking for experienced credit underwriters, ideally from a hard asset finance background, and ideally with experience of manual underwriting, rather than scorecard assessment.

This is an excellent opportunity to join a dynamic and highly successful team.