Credit Risk Analyst – Asset Based Lending

Credit Risk Analyst – Asset Based Lending

Our client, a leading provider of Financial Services to businesses, requires a Credit Risk Analyst to join their Asset Based Lending team in South East England.

The successful candidate will be responsible for drafting and presenting both Invoice Finance & Asset Based Lending credit proposals to Credit Committee whilst complying with credit policy guidelines and processes.

The opportunity would suit someone who is either operating within a similar field within ABL or someone working within another area of ABL such as Sales, Portfolio Management and/or Audit & Survey who would like to challenge themselves in a credit-based environment.

Key responsibilities:

• Drive continuous improvement activity, challenging processes and procedures to ensure optimal efficiency and effectiveness, whilst being aligned with business delivery.
• Responsible for making an independent assessment of the risk proposition presented, and to carefully weigh up interests and responsibly maintain and build up the credit portfolio, with a view to optimising the lending process.
• Oversee credit risks and analyse, assess and authorise loan proposals, as well as advise Relationship Managers on lending-related issues and coordinate lending process activities, all within the formulated credit policy.
• Analyse and interpret financial documentation.

Key Skills:

• Asset Based lending industry knowledge.
• In-depth working knowledge of RiskFactor.
• Highly numerate with a good understanding of credit risk methodologies, with experience in credit risk and portfolio analysis.
• Good knowledge of credit risk policies, processes, and controls.
• Excellent written and presentational skills.

The successful candidate will be rewarded with a salary up to £75k p/a + bonus + a range of additional benefits.

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