Credit Analyst Placement Year — Risk, Reporting & Growth

BMW Group UK; Farnborough; On-site; GBP 20,000 - 24,000; Full time

Benefits offered by this job

Competitive salary

27 days holiday pro rata

Pension scheme

On-site restaurant access

Job summary

BMW Group UK is offering a Credit Analyst placement year in Farnborough. You will support credit decisions for parts of the commercial finance portfolio, and help monitor risk while enabling growth.

This role combines analytical work with relationship-building across internal and external customers. You’ll study for an undergraduate degree in Business Management or similar, gain exposure to credit risk policies, and develop skills in financial analysis, reporting and the use of IT tools.

Qualifications

• Studying for an undergraduate degree in Business Management or similar and in line to achieve a 2:1 or above.
• Basic customer services experience (i.e. retail/hospitality).
• Microsoft Office (incl. PowerPoint) advantageous.
• Quick to pick up IT applications (online tools, project management tools etc.).
• Good written and verbal communication skills.
• Strong critical and analytical mindset.
• Attention to detail and intellectual curiosity.
• Able to show an interest in sustainability and sustainable practices.

Responsibilities

• Interpretation of financial information and other KPIs to make prudent decisions balancing risk & reward.
• Prepare credit reports with lending recommendation and conditions.
• Build and maintain strong relationships with internal and external customers.
• Monitor the Early Warning System and take action as appropriate to mitigate our risk.
• Understanding and interpretation of credit risk & collateral policy and business strategy to ensure that targets are achieved and maintained.
• Maintain credit records and limits.
• Support creation of monthly reports for the Local Credit Committee(s).
• Identify and implement business process improvements to ensure effective and efficient credit review and monitoring procedures.
• Ensuring lending processes always meet the regulatory requirements.
• Support Commercial Finance Area Manages with design and packaging of credit proposals to ensure adherence with central and local Credit Risk and Collateral Policies.
• Engagement with Credit Management Department to share/learn best practice across all markets.
• Implement recommendations from Credit Road Map assessments to improve the Compliance and Governance Management Maturity level across the various credit topics.

Skills

Analytical mindset

Communication skills

Attention to detail

Sustainability interest

Microsoft Office

Education

Undergraduate degree in Business Management or similar

Tools

Microsoft PowerPoint

IT applications

Job description

BMW Group UK is offering a Credit Analyst placement year in Farnborough. You will support credit decisions for parts of the commercial finance portfolio, and help monitor risk while enabling growth.

This role combines analytical work with relationship-building across internal and external customers. You’ll study for an undergraduate degree in Business Management or similar, gain exposure to credit risk policies, and develop skills in financial analysis, reporting and the use of IT tools.