Credit Analyst at FleetPartners Group managing credit risk for corporate and SME applications. Analyzing financial information and ensuring compliance with credit policies in a hybrid working environment.
Responsibilities
Analyse financial information, counterparty credit risk, asset risk and security structure of corporate transactions brought in by the Business Development & Relationship teams
Prepare credit memorandum and approve within the DLA (Delegated Lending Authority) or refer with recommendation to Senior Credit Manager when outside the DLA
Manage & analyse SME credit application submitted via scorecard
Ensure credit applications (corporate and SME) approved are in line with the company Credit Policy
Ensure MLA/MFLA documentation is executed correctly and saved in line with the company policy
Manage PPSR Registration and Discharge
Maintain strong communication with stakeholders in the credit process to ensure credit issues are identified and resolved as soon as practicable to enable timely delivery of credit decisions with set SLA’s
Manage and prioritise workflows depending on urgency and priority
Requirements
3+ years’ experience in similar role preferably in Auto-Finance environment
Sound financial analysis skills and credit judgement
Ability to advocate succinctly key risk issues and solutions in verbal and written communication
A strong sense of empathy for business development and acute commercial orientation to develop practicable solutions to address credit issues without exposing FleetPartners to unnecessary risks.
Excellent interpersonal skills with a demonstrated ability to liaise with team members, staff across the business and external stakeholders
Intermediate working knowledge and capability with Microsoft Office in particular Excel and PowerPoint program experience
Problem solving ability
Maintain sound credit lending standards
High degree of accuracy and attention to detail in relation to financial calculations, credit verifications and all matters associated with the preparation of credit memorandum
Demonstrated ability to develop co-operation and teamwork
Articulate verbal and written communication skills
Excellent negotiation skills
Ability to listen effectively and accept constructive feedback and action as required
Ability to liaise with all levels of employees throughout an organisation
Good time management skills
Ability to deliver to deadlines
Customer focus both internally & externally
Ability work in a dynamic environment and under opposition at times
Ability to learn new tasks and grasp concepts quickly
Puts in extra effort as required to get the job done
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