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For Companies At a Glance
- Tasks: Evaluate credit applications and ensure compliance while enhancing customer experience.
- Company: Join Ayvens, a leader in sustainable mobility with a focus on innovation.
- Benefits: Enjoy a competitive salary, generous holiday, and flexible working options.
- Why this job: Kickstart your career in finance with impactful work and growth opportunities.
- Qualifications: Analytical mindset, attention to detail, and strong communication skills required.
- Other info: Be part of a diverse team committed to sustainability and customer satisfaction.
The predicted salary is between 24000 - 30000 £ per year.
Graduate Credit Analyst
Location: Bristol, England, United Kingdom
Join to apply for the Graduate Credit Analyst role at Ayvens. Our ambitions to shape the future of sustainable mobility are powered by our talent. Join us, and get better with every move.
Job Description
An exciting opportunity within our Credit Operations Team where you, as the successful applicant, will, along with the team, be responsible for evaluating credit applications. The department is key to protecting the company from undue risk whilst also ensuring we provide a great customer experience. Based in Bristol, we\’re offering a starting salary of £24,555 plus benefits. This is a great entry-level role for someone with an analytical mindset, great attention to detail, and a head for numbers.
Key Purpose
- Complete credit underwriting decisions for regulated and non-regulated customer applications
- Ensure we adhere to due diligence procedures in line with Group compliance requirements
- Complete all activity in line with business risk appetite and company policies and procedures
- Protect the company from undue credit and regulatory risk
Summary of Responsibilities
- Analyse and interpret financial information from a wide range of sources
- Make decisions on credit applications and handle declined application appeals, completing a robust audit trail within defined quality and efficiency standards
- Complete due diligence and know-your-customer checks
- Respond timely to customer verbal and written enquiries, ensuring that all relevant information is communicated in line with company credit risk policy
- Escalate any procedural issues to the management team in a timely manner
- Participate in process document reviews and provide ideas to improve the end-to-end client journey
- Communicate effectively with a wide range of contacts including internal colleagues, colleagues throughout the Société Générale group, customers and third parties
Skills, Experience & Background
- Research and analytical skills, having worked in a similar analytical position
- Previous experience within the Financial Services industry
- Proactive time management and organisational skills
- Good standard in IT literacy, particularly Microsoft Office applications
- Strong communication skills (written, face-to-face, telephone)
- Knowledge of credit underwriting processes would be advantageous but not essential
- Knowledge of financial services regulations would be advantageous
What We Can Offer
- Generous contributory pension scheme
- 25 days holiday, in addition to bank holidays
- Volunteering days to assist in charity work
- Sustainability initiatives
- Holiday buy/sell (subject to conditions)
- Travel insurance (cost associated)
- Dental insurance (cost associated)
- Flexible working options available
- Study support (where applicable)
- Enhanced parental leave
- Generous employee referral scheme (£1000)
- Cycle2work scheme
- Free breakfast/fruit in the Bristol office
- EV charging points, bike storage, shower & changing facilities and car parking
Why Ayvens?
With over 3.4 million vehicles managed across more than 42 countries, we provide full-service leasing, flexible subscription services, fleet management services, and multi-mobility solutions to customers of all sizes, including large corporates, SMEs, professionals, and private individuals. By leveraging our unique position to lead the way to net zero and further shape the digital transformation of the industry, we are well-positioned to meet the evolving mobility needs of our clients and provide solutions that enable them to thrive. At Ayvens, we believe that our success is driven by our commitment to customer satisfaction. Our team is dedicated to delivering innovative solutions and technology-enabled services that help our customers focus on their everyday business. We’re committed to sustainable mobility and have made it a core part of our strategy. In everything we do, we’re guided by the principles of authenticity, curiosity, commitment, and collaboration. We aim to foster an organisation that is diverse in people and ideas, where everyone can thrive and be themselves, no matter who they are.
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Graduate Credit Analyst employer: Ayvens
Contact Detail:
Ayvens Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Graduate Credit Analyst
✨Tip Number 1
Network like a pro! Reach out to current employees at Ayvens on LinkedIn or through mutual connections. A friendly chat can give you insider info and might just get your application noticed.
✨Tip Number 2
Prepare for the interview by brushing up on your analytical skills. Be ready to discuss how you've tackled data analysis in the past, as this role is all about evaluating credit applications.
✨Tip Number 3
Show off your attention to detail! During interviews, share examples of how you've ensured accuracy in your work. This will resonate well with the team’s focus on protecting the company from undue risk.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets into the right hands. Plus, it shows you're serious about joining the Ayvens team.
We think you need these skills to ace Graduate Credit Analyst
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Graduate Credit Analyst role. Highlight any relevant experience, especially in analytical positions or financial services. We want to see how your skills match what we're looking for!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about the role and how your background makes you a great fit. Don’t forget to mention our commitment to sustainable mobility – it’s a big deal for us!
Show Off Your Analytical Skills: Since this role requires a keen analytical mindset, be sure to showcase any relevant projects or experiences that demonstrate your ability to analyse and interpret financial information. We love seeing those skills in action!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way to ensure your application gets into the right hands. Plus, it shows us you’re serious about joining our team at Ayvens!
How to prepare for a job interview at Ayvens
✨Know Your Numbers
As a Graduate Credit Analyst, you'll be dealing with financial information daily. Brush up on your analytical skills and be prepared to discuss how you interpret data. Maybe even bring a few examples of how you've successfully analysed financial information in the past.
✨Understand the Company Culture
Ayvens values sustainability and customer satisfaction. Familiarise yourself with their mission and values, and think about how your own experiences align with them. This will show that you're not just interested in the role, but also in being part of their team.
✨Prepare for Scenario Questions
Expect questions that assess your decision-making skills, especially regarding credit applications. Think of scenarios where you had to make tough decisions or handle customer inquiries effectively. Practising these will help you articulate your thought process during the interview.
✨Show Off Your Communication Skills
Effective communication is key in this role. Be ready to demonstrate how you can convey complex information clearly, whether it's through written or verbal means. You might want to prepare a brief explanation of a past project where you had to communicate with various stakeholders.