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- Tasks: Assess new business applications and support dealers with efficient communication.
- Company: A dynamic lender based in Hertfordshire with a collaborative Credit Operations team.
- Benefits: Hybrid work model, competitive salary, and opportunities for professional growth.
- Why this job: Join a proactive team and make impactful decisions in the finance sector.
- Qualifications: Experience in underwriting and strong communication skills required.
- Other info: Engaging work environment with team-building activities and career advancement potential.
The predicted salary is between 42000 - 60000 £ per year.
We are working on behalf of a Hertfordshire based lender who are recruiting a Credit Analyst within their Credit Operations team. The new business Credit Analyst will demonstrate excellent attention to detail and will be the proactive point of contact between the Credit Operations department, Network Funding, Dealer Account Managers and the Dealer & Broker Network, ensuring new business applications are assessed in a timely, accurate manner.
This is a hybrid role (please note that initial training in the office is expected for the first few weeks) with 1-2 days a month for team building purposes and attendance when business needs arise. There is a requirement to work one Saturday each month and one Sunday each quarter.
Role Description:
- Respond to all Dealer enquiries in an efficient and courteous manner via phone or email.
- Assist dealers to convert a negative decision to an acceptable proposal to the business providing the risk is within company guidelines.
- Follow up on a daily basis any proposals you have deferred for further information.
- Underwrite referred proposals within authority and refer to a higher-level authority when necessary.
- Ability to read & understand company accounts in order to make sound decisions.
- Ensure CIFAS applications are investigated correctly and thoroughly and that any possible frauds are identified promptly referred for further action.
- Highlight any problems that may arise to your manager and offer possible solutions.
- Ensure department Service Quality Commitments (SQC’s) and Key Performance Indicators (KPI’s) are met whilst also maintaining high service levels and standards.
- Work transversely across Operations and throughout the business supporting your colleagues in other areas.
- Assist with other job functions within the team inline with business needs.
- Protect the company at all times from fraud and financial exposure.
- Comply with all company procedures and standards.
- To comply with all relevant legislation at all times such as Consumer Credit Act, Money Laundering Act, Data Protection Act and the FLA code of practice.
Knowledge & Skills:
- Underwriting experience.
- Must hold a mandate of at least £35,000.
- Eye for detail & Good standard of numeracy.
- Excellent telephone manner and communication skills.
- Effective written / verbal communication skills.
- Ability to read & understand company accounts.
- Team Player.
- Pro-active attitude.
- Computer literate.
- Problem solving.
The salary range is very broad and is determined by the level of experience and mandate held (from a minimum of £35k for retail and from a minimum of £50k for both retail and business).
Credit Analyst employer: Birchlake Recruitment
Contact Detail:
Birchlake Recruitment Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Analyst
✨Tip Number 1
Network, network, network! Get chatting with people in the industry, whether it's at events or online. You never know who might have a lead on that perfect Credit Analyst role.
✨Tip Number 2
Prepare for interviews like a pro. Research the company and its values, and think about how your skills match their needs. We want you to shine when you get that chance to impress!
✨Tip Number 3
Don’t be shy about following up after an interview. A quick thank-you email can keep you fresh in their minds and show your enthusiasm for the role. It’s all about making that connection!
✨Tip Number 4
Apply through our website! We’ve got loads of opportunities waiting for you, and applying directly can sometimes give you an edge. Let’s get you that Credit Analyst position!
We think you need these skills to ace Credit Analyst
Some tips for your application 🫡
Show Off Your Attention to Detail: As a Credit Analyst, attention to detail is key. Make sure your application is free from typos and errors. We want to see that you can present information clearly and accurately right from the start!
Tailor Your Application: Don’t just send a generic application! Highlight your relevant experience in underwriting and your understanding of company accounts. We love seeing how your skills match what we’re looking for.
Be Proactive in Your Approach: In your application, show us your proactive attitude. Mention any instances where you’ve taken the initiative to solve problems or improve processes. This will resonate well with our team culture!
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates!
How to prepare for a job interview at Birchlake Recruitment
✨Know Your Numbers
As a Credit Analyst, you'll need to demonstrate your numerical skills. Brush up on your understanding of company accounts and financial statements. Be prepared to discuss how you would assess risk and make decisions based on financial data.
✨Showcase Your Attention to Detail
This role requires a keen eye for detail. During the interview, highlight examples from your past experience where your attention to detail made a difference. Whether it was spotting discrepancies in data or ensuring compliance with regulations, make sure to share these stories.
✨Practice Your Communication Skills
You'll be the point of contact for dealers, so effective communication is key. Practice articulating your thoughts clearly and concisely. Consider role-playing common scenarios you might encounter, such as responding to dealer enquiries or explaining underwriting decisions.
✨Be Proactive and Solution-Oriented
The job description emphasises a proactive attitude. Think of instances where you've identified problems and proposed solutions. In the interview, express your willingness to take initiative and how you can contribute positively to the team and the overall operations.