Senior Credit Risk Analyst

An established manufacturing and production company based in the heart of Hatfield are seeking a Senior Credit Risk Analyst to manage their Credit, and Accounts Receivables part of finance. Full time permanent role for a friendly and innovative company.

Salary paying £32k-£36k with excellent benefits, career progression and a friendly working environment. Role will involve Accounts Receivables, risk analysis, reporting and much more.

Client Details

My client are a fantastic business based in the heart of Hatfield who are in the manufacturing and production sector. They are an established business and are seeking a Senior Credit Risk Analyst to join their team and manage 2 people. Full time permanent role with lots of variety.

They are a great employer who value their staff and offer great benefits and career progression. They look to employ hard working and personable people who enjoy working in a team environment.

Description

As a Senior Credit Risk Analyst your duties will include:

• You will join and supervise the Credit Risk & Analytics team, where leading edge models and analytics are created to harness the power of data and enable scientifically optimised business decisions.
• You will collaborate with experts in risk management, technology, data management, capital markets, business operations to understand business objectives and shape analytical solutions.
• You will be responsible for ensuring that the loan portfolio delivers strong performance: tracking loan originations and underwriting processes, monitoring portfolio growth and quality, forecasting credit losses and loans profitability, performing portfolio stress-testing, supporting effectiveness of collections and recoveries processes, etc.
• You will guide business decisions by carrying out adhoc analysis, providing credit risk insights and recommendations for optimising credit risk strategies and business processes.
• Responsible for the investigation and analysis of credit risk.
• Monitors customer accounts in order to maximise credit quality and minimize risk and potential loss.

Profile

ESSENTIAL FUNCTIONS:

• Coordinates the relationships between Relationship Managers, internal stakeholders and partners to facilitate the credit approval/portfolio review processes.
• Undertakes customer visits as required
• Provides credit information and references for customers, Relationship Managers, Management, or other agencies as requested.
• Work closely with Fraud, Collections and other business units to minimise risk and potential loss.
• Build strong and positive relationships, share understandings and best practice with other business areas.
• Assist management in ensuring that the Credit Policy is being adhered to by all related parties.
• Undertakes large ad hoc reviews of problem credit cases with additional focus on loss trends as they develop within the portfolio.
• Ensure regulatory compliance of merchants within periodic review cycle
• Ideally, you'll be ICM qualified, or hold other qualifications relevant to the role and have a good working knowledge of the various issues surrounding credit management with particular emphasis on data protection and contract law.

Job Offer

Whats on offer?

- A competitive salary of up to £36,000

- Busy varied role which you can make your own

- Team environment

- Great benefits