Credit Risk Analyst – Asset Based Lending

Business Money Promotions Ltd; England; On-site; GBP 60,000 - 75,000; Full time

Job summary

A leading financial services provider is seeking a Credit Risk Analyst to join their Asset Based Lending team in South East England. The candidate will draft credit proposals, assess risks, and advise on lending-related issues. Ideal for those with Asset Based Lending experience or a related background looking to transition into credit. Offering a competitive salary of up to £75k p/a plus bonus and additional benefits.

Qualifications

• Experience in Asset Based Lending or a related field.
• Good understanding of credit risk analysis and policies.

Responsibilities

• Draft and present credit proposals to Credit Committee.
• Make independent assessments of risk propositions.
• Oversee credit risks and advise Relationship Managers.
• Analyse and interpret financial documentation.

Skills

Asset Based Lending industry knowledge

In-depth working knowledge of RiskFactor

Highly numerate with good understanding of credit risk methodologies

Experience of credit risk and portfolio analysis

Good knowledge of credit risk policies, processes and controls

Excellent written and presentational skills

Job description

Credit Risk Analyst – Asset Based Lending

Our client, a leading provider of Financial Services to businesses, requires a Credit Risk Analyst to join their Asset Based Lending team in South East England.

The successful candidate will be responsible for drafting and presenting both Invoice Finance and Asset Based Lending credit proposals to Credit Committee while complying with credit policy guidelines and processes.

The opportunity would suit someone who is either operating within a similar field within ABL or someone working within another area of ABL such as Sales, Portfolio Management and/or Audit & Survey who would like to challenge themselves in a credit-based environment.

Key responsibilities

• Drive continuous improvement activity, challenging processes and procedures to ensure optimal efficiency and effectiveness, whilst aligned with business delivery.
• Responsible for making an independent assessment of the risk proposition presented, and to carefully weigh up interests and responsibly maintain and build up the credit portfolio, with a view to optimising the lending process.
• Overseeing credit risks and analysing, assessing and authorising loan proposals, as well as advising Relationship Managers on lending-related issues and coordinating lending process activities, all within the formulated credit policy.
• Analyse and interpret financial documentation.

Key Skills

• Asset Based Lending industry knowledge.
• In-depth working knowledge of RiskFactor.
• Highly numerate with a good understanding of credit risk methodologies, with experience of credit risk and portfolio analysis.
• Good knowledge of credit risk policies, processes and controls.
• Excellent written and presentational skills.

The successful candidate will be rewarded with a salary up to £75k p/a + bonus + a range of additional benefits.

For more information about this role or any of our vacancies call 01625 522 774 or email [e-mail].