Credit Risk Anlayst

Sg Fleet Australia Pty Ltd; United Kingdom; On-site; GBP 40,000 - 55,000; Full time

Job summary

A financial services company is seeking a Credit Risk Analyst in the UK. Responsibilities include securing credit for corporate business, reviewing financial statements, and ensuring compliance with credit policies. The ideal candidate should have a degree in a relevant field and experience in credit underwriting and KYC/AML processes. This role values diversity and offers career development opportunities.

Benefits

Great benefits, including 2 Wellbeing days

Work-life balance

Career development

Qualifications

• Degree level or equivalent in Business related discipline, preferably in asset financing.
• Experience in reading and analysing corporate financial statements.
• Understanding of credit frameworks and policies.

Responsibilities

• Ensure credit is secured for all corporate business.
• Decision Corporate Credit applications within SG Fleet Credit Policy.
• Undertake Due Diligence activities on Employers for new Salary Sacrifice schemes.

Skills

Credit Underwriting Skills

KYC / AML experience

Analysing corporate financial statements

Strong technical/numerical skills

Interpersonal skills

Education

Degree in Business-related discipline

Job description

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• Great benefits, including 2 Wellbeing days for when you need it most

WHO WE ARE
We are a financial services company that specialises in fleet management, vehicle leasing and salary packaging, with a presence across Australia, the UK and NZ. A total portfolio under management of $2.5 Billion and over 1200 employees.

AS A CREDIT RISK ANALYST YOU WILL…
Be responsible for ensuring credit is secured for all corporate business, both with an external funding panel &/or via internal risk where the spreading of counterparty financials, conducting of financial analysis on financials is required. Making recommendations based on analysis and prepare write-ups of large credit requests where credit memorandums are to be submitted to the SG Fleet Credit Committee for consideration and decisioning.

The role is part of a team who utilises their credit risk assessment skills and applies well-reasoned credit rationale to recommend credit proposals for approval or otherwise.

YOUR DAYS WILL INVOLVE…

• Partner and interact daily with the SGF Sales Team to ensure that all credit applications and tasks are decisioned within SG Fleet’s Credit policy
• Decision Corporate Credit applications within SG Fleet Credit Policy and Delegated Credit Authority limits
• Renewal of external Funder panel credit lines as per business requirements
• Understand the key performance areas and the financial implications (profit / loss) of decisions being taken.
• Play a pivotal role in client reviews & ensuring facilities are in place for their ongoing fleet requirements.
• Undertake Due Diligence activities on Employers for new Salary Sacrifice schemes, including KYC / AML / Sanctions & PEP Searches and reviews of Financial Statements.
• Ensure compliance and consistent application of policies, procedures, and legislation
• Provide support to the Funding & Credit Manager and work with the wider Funding and Credit Team (based in Australia) on an ad-hoc basis.

A LITTLE BIT ABOUT YOU…

• Degree level or equivalent (QBE) in Business related discipline, preferably in asset financing or accounting sector.
• Experience in reading and analysing corporate financial statements and risk assessments
• Credit Underwriting Skills and understanding of credit frameworks and policies
• Experience in KYC / AML
• Strong technical/numerical skills including critical analysis and problem solving
• Exceptional interpersonal skills for clear and professional communication (verbally & written)
• Strong adherence to processes

WHAT'S NEXT…

We'd love to hear from you if you're ready to take on your next challenge at a company that values diversity and belonging, while offering work-life balance and career development.

We are an equal opportunity employer, welcoming everyone to our team. Resumes may be sent and interviews may occur prior to the application close date. To enhance your chances, do not wait until the last minute to apply. A pre-employment screening will be required for successful applicants.

Respectfully, no agencies please.