Credit Manager - Flow

London Permanent
  • Excellent opportunity with one of the largest financial services leader
  • Great culture and competitive package

About Our Client

Our Client is a prominent European financial services group. Built on a diverse and integrated banking approach, our client merges financial stability and established innovation expertise with a commitment to sustainable expansion.

Job Description

  • Analyse credit data and financial statements to determine the degree of risk involved in extending credit in all business channels from sales-aid leasing/flow business
  • Interpret and evaluate internal and external credit reference agency, broker and market reports to determine the degree of risk involved in extending credit. Confer, consult and undertake due diligence meetings with both internal and external credit associations and other business/customer representatives to clarify credit/collections information as and where necessary
  • Generate and evaluate financial ratios, using internal credit tools, to evaluate customers' financial status and where necessary undertake benchmarking to compare liquidity, profitability and credit histories of customers being evaluated with those customers within a similar or the same industry and geographic locations.
  • Interpret and evaluate collateral curve analysis, in line with market, sector, and portfolio considerations to determine the degree of risk involved in extending credit
  • Prepare domestic and external risk reports that include the degree of risk involved in extending credit for all flow business channel transactions with clear, concise and rational recommendations for the credit decision
  • Maintain compliance with all leading industry guidelines and statutory regulations including consumer credit, anti-money laundering and data protection
  • Review existing transactions periodically to include the evaluation of payment history, purchase activity, collateral curve analysis, market/broker intelligence and prepare recommendations for the renewal of internal credit ratings/facilities
  • Review current and non-current customer/suppliers/third party introductory sources, in conjunction with Collections, to identify and limit the extent of delinquent accounts
  • Timely completion of all risk reports within agreed service levels and the ongoing monitoring and annual review of vendor programmes under assigned portfolios/business channels
  • Regular updating of internal risk systems, including risk monitoring systems, to ensure that data integrity for the counterparties within the portfolio is accurately maintained
  • Ensure that all transactions presented to risk for pay-out meet the appropriate credit sanction and credit limit issued and that all documentation in respect of specific risk caveats has been provided and properly executed
  • Attend business screening meetings with front office providing provisional risk comments on potential transactions. Co-ordinate the credit process of assigned transactions, communicating with the necessary front office and marketing/sales/broker as appropriate
  • Provide guidance and instructions to front office for efficient and productive risk identification, analysis, assessment and presentation
  • Make recommendations for the ongoing development of systems, processes and practices to provide improvements in efficiency and capacity of the risk team and the business in general
  • Participate in ongoing personal development to deliver on business/personal objectives

The Successful Applicant

  • The ideal candidate will have a minimum of 2 years of credit experience, ideally with time spent analysing and interpreting financial statements/data from a variety of industries and commercial backgrounds
  • Possessed of excellent analytical skills tempered with a sense of commerciality and business focus
  • Possessed of a good knowledge of the asset finance industry and the various product offerings and types of funding facilities available
  • Ability to competently and confidently analyse unsecured transactions in the small ticket sector
  • Ability to communicate clearly, concisely and efficiently both verbally and in writing to peers and senior management alike
  • Good experience in credit, credit analysis and underwriting of small ticket deals essential with some consumer experience being of benefit
  • Good experience in Risk assessment of structured lending/cash flow lending based transactions
  • Good Microsoft Word and Excel skills
  • Professional telephone manner and demeanour
  • Strong team player
  • Self-disciplined, motivated and time efficient

What's on Offer

Competitive salary and generous bonus/benefits package

Apeksha Kulkarni
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Job summary

Job function
Banking & Financial Services
Credit Analysis & Research
Financial Services
Contract type
Consultant name
Apeksha Kulkarni
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