At a Glance
- Tasks: Lead a small ticket leasing credit function and analyse credit data to assess risk.
- Company: Join a leading financial services institution with a strong reputation.
- Benefits: Competitive salary, career progression, and a supportive work environment.
- Other info: Dynamic team atmosphere with opportunities for professional growth.
- Why this job: Make impactful decisions in credit management and enhance your leadership skills.
- Qualifications: Experience in credit leadership or relevant responsibilities in your current role.
The predicted salary is between 50000 - 70000 £ per year.
Our client is a leading financial services institution who are looking for someone with either current credit leadership experience or someone who can demonstrate they have taken on added responsibility in their current role to give them experience to step up into running a small ticket leasing credit function.
THE ROLE
- Analyse credit data and financial statements to determine the degree of risk involved in extending credit in all business channels for predominantly small ticket transactions, as well as supporting Non‑flow business where and when required.
- 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.
- Exercise a personal sanctioning authority with diligence and care and preparing recommendations for those transactions outside of the personal sanctioning authority.
- Maintain compliance with all leading industry guidelines and statutory regulations including consumer credit, treating customers fairly, anti‑money laundering and data protection.
- Review existing transactions periodically to include the evaluation of.
Flow Credit Team Leader – Asset Finance – London / Surrey employer: Asset Finance International
As a leading financial services institution, our client offers an exceptional work environment in London/Surrey, where innovation and collaboration thrive. Employees benefit from a strong focus on professional development, competitive remuneration, and a supportive culture that values integrity and teamwork. With opportunities to lead and influence credit decisions in a dynamic market, this role is perfect for those seeking meaningful career growth in the finance sector.
Contact Details:
Asset Finance International Recruitment Team
StudySmarter Expert Advice🤫
We think this is how you could land Flow Credit Team Leader – Asset Finance – London / Surrey
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Asset Finance International. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Flow Credit Team Leader – Asset Finance – London / Surrey
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Asset Finance International.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Asset Finance International's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Asset Finance International
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Asset Finance International.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Asset Finance International will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Asset Finance International employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
