New Accounts Assessor

Carlsberg Group; Colton; On-site; GBP 40,000 - 60,000; Full time

Job summary

Carlsberg Britvic is seeking a Credit Analyst to evaluate and onboard new customer trade accounts in the UK. You will verify applicant information, conduct KYC and third-party screening, and assess financial metrics to approve trading, while adhering to policy and complying with GDPR.

Collaborating with Sales, you will minimize risk and maximize volume and profit, including creating SAP accounts and processing documentation within 48 hours of authorization.

Qualifications

• Experience in credit analysis and underwriting.
• Knowledge of ERP SAP and Microsoft 365 Office systems.
• Experience with credit policies and financial statement analysis.
• Ability to work in a fast-paced environment.

Responsibilities

• Evaluate and onboard new customer trade accounts efficiently.
• Check and verify applicant information for sound decisions.
• Conduct Know Your Customer checks and Third-Party Screening.
• Evaluate key financial metrics: credit history, payment behaviours, debt levels.
• Adhere to account opening policy.
• Collaborate with Sales teams to ensure customer satisfaction and retention.
• Minimise risk while maximising volume and profit.
• Create SAP accounts.
• Ensure documentation is signed/scanned within 48 hours of authorization.
• Maintain documentation and liaison with Business Partners.
• Ensure GDPR policy compliance.
• Exercise independent decision-making and escalate when needed.
• Coordinate across departments.
• Analyze financial accounts/credit reference reports.

Skills

Credit analysis

Underwriting

Know Your Customer

ERP SAP

Excel & Pivot

Stakeholder negotiation

Education

Bachelor's degree in finance or business

Tools

SAP

Microsoft 365

Job description

To evaluate, create, and onboard new customer trade accounts in a timely and efficient manner, including

• Checking and verifying key information collected from applicants is correct to ensure sound, well-informed, nonjudgmental decisions
• Conduct Know Your Customer checks and Third-Party Screening
• Evaluation of key financial metrics - credit history, payment behaviours, debt levels
• Strict adherence to policy in respect of account opening
• Collaborating effectively with the Sales teams to ensure customer satisfaction and retention
• Minimising risk and exposure whilst maximising volume and profit
• Role Responsibilities:
• Ensure all documentation is correctly received/signed, enabling correct searches to be carried out
• Full risk assessment of new account applications, including analysis of searches, financial analysis, compliance checks, and review of trade experience - to include some basic underwriting
• Ability to extract relevant information from multiple sources and formats
• Drafting referrals for management by consolidating and presenting essential information in a clear, structured format.
• Ensure all documentation relating to the new account is scanned into the customer's file within 48 hours of the account being authorised to trade
• Maintain a close working relationship with all Business Partners and demonstrate excellent customer service to both internal and external customers.
• Compliance with the company's third-party screening policy and GDPR policy
• Exercise independent decision-making where appropriate. When problems arise, bring them to the attention of management with suggestions and optimal solutions.
• Create accounts in SAP
• The above list of accountabilities is not exhaustive
  Professional manner - the use of clear and concise language
• Ability to work effectively in a fast-paced environment
• Proactive mindset, eye for detail, logical thinker, strong time management, ability to organise efficiently, and confidence to challenge
• Strong analytical, investigatory, communication, and problem-solving skills
• Ability to identify the audience and to understand their needs to help establish rapport and trust
• Cross-departmental coordination
• Use Excel to perform intermediate tasks such as formulas, charts, and pivot tables
• Demonstrate a positive and enthusiastic attitude towards work and challenges
• Apply innovative and forward-thinking solutions to improve processes and outcomes
• Ability to negotiate effectively and influence key stakeholders to achieve the best risk outcome
• Knowledge of ERP (SAP) and 365 Office systems
• Experience with credit policies, underwriting skills
• Experience in analysing financial accounts/credit reference company reports
• Good end-user computer skills
• Aptitude for problem-solving with the ability to work using own initiative
• Experience in a similar credit role assessing financial information
  Carlsberg Britvic is the largest multi-beverage supplier in the UK and is home to some of the most iconic and popular beers & soft drinks, including Carlsberg Danish Pilsner, 1664, Poretti and Brooklyn to ale favourites such as Hobgoblin and Wainwright. For soft drinks, Carlsberg Britvic's brands include J2O, Robinsons, Tango and London Essence along with the licence rights to the Pepsi portfolio in the UK including Pepsi MAX, 7UP, poppi, Lipton Iced Tea and Rockstar Energy.
• With a strong national footprint, the Carlsberg Britvic business includes 5 production facilities and 16 logistics depot's servicing customers up and down the UK. As these two historical businesses have come together, the one common goal remains, and that is ensuring our people succeed., This is an exciting time to join our newly formed business - with their incredible individual history's, innovation of products and some of the UK's most iconic brands, Carlsberg Britvic strives to deliver the best service to our customers and consumers. We aim to make a difference, bringing together two diverse companies, our global reach enables opportunity, growth and a chance to work with some fantastic people.