Credit Risk Manager - Asset Finance

Risk Analysis and Evaluation:

• Assess credit risk through analysis of financial statements and credit data.
• Interpret credit reports and conduct due diligence with credit associations and business reps.
• Generate financial ratios and benchmark against industry standards.
• Evaluate collateral curve analysis considering market and portfolio factors.

Reporting and Compliance:

• Prepare risk reports with recommendations for credit decisions.
• Ensure compliance with industry guidelines and statutory regulations, including consumer credit, AML, and data protection.

Transaction and Portfolio Management:

• Review transactions and recommend credit ratings/facility renewals.
• Monitor delinquent accounts and collaborate with Collections to limit risk.
• Complete risk reports on time and oversee vendor programs.
• Maintain accurate data integrity in internal risk systems.

Credit Process Coordination:

• Ensure transactions comply with credit sanctions and documentation requirements.
• Provide risk comments during business screening meetings.
• Coordinate the credit process, communicating with front office and sales teams.

Guidance and Development:

• Guide front office in risk identification, analysis, and presentation.
• Recommend improvements in systems and processes for efficiency.
• Engage in personal development to achieve business and personal goals.