At a Glance
- Tasks: Conduct credit risk assessments and support profitable sales through effective analysis.
- Company: Join the iconic Harley-Davidson team, shaping motorcycle culture for over a century.
- Benefits: Enjoy employee discounts, annual bonuses, and a supportive work environment.
- Other info: Inclusive workplace with opportunities for growth and collaboration.
- Why this job: Be part of a legendary brand while developing your skills in finance and risk management.
- Qualifications: 1 year experience in credit underwriting or financial analysis; strong communication skills required.
The predicted salary is between 49500 - 60500 £ per year.
Location: OXFORD
Career Band: Fixed Term Contractor
Job Function: Risk Management
Job Summary
To promote, support and maximize profitable sales through the implementation and maintenance of an effective International credit risk assessment function, thereby optimizing the asset base in line with profit and cash flow objectives. Acknowledging the specific differences in accounting methods across International environments in preparing credit line reviews.
Provide a detailed credit risk assessment through the evaluation of financial statements, credit reports, management accounts, operational performance, security and any other relevant factors in evaluating credit proposals and establishing credit facilities to support the commercial objectives and promote profitable sales, whilst ensuring an acceptable level of reward against risks taken. Ensuring that credit assessments are compiled within the parameters of Harley-Davidson's International Credit Standards and that any conditions approved within the approval of facilities are monitored, maintained and adhered to. Establish strong working relationships with dealers, distributors and H-D subsidiaries.
Job Responsibilities
- Credit Reviews: Complete a minimum number of dealer file reviews in line to an agreed schedule by collating, analyzing and recommending a course of action based on risk factors. This includes but is not limited to financial analysis and performance analysis.
- Dealer Development: Perform the financial and performance analysis of future looking dealer projects for the expansion of the network, expansion of sites and changes of legal ownership including but not limited to historical financials, future financial plans and projected performance; track and execute related conditions; ensure proper authority and evidence proposed prior to system set up; record and maintain projects and conditions in systems and reporting of both in monthly KPIs with International Underwriting Manager.
- File Conditions: Tracking and executing of all conditions within a file review, following up with various teams on progress with action plans to bring dealers to compliance in accord with the commercial teams. Record and maintain conditions in systems and reporting of both in monthly KPIs with International Underwriting Manager. Ensure banks are of an acceptable rating and preparation of security documents.
- Security: Record and maintain security in systems and reporting of both in monthly KPIs with International Underwriting Manager. Any concerns to the validity of held security to be escalated to the manager.
- Bad Debts: Ensure bad debt losses are maintained within budgets, liaise with commercial teams and International Underwriting Manager to establish high risk dealers, monitor dealer watch accounts, liaise with legal counsel when required.
- Reporting and Documentation: Compile monthly reports on a timely basis, generate ad-hoc reports from various systems, create and maintain reports for monitoring of work, file conditions, security and watch accounts.
Education Requirements
High School Diploma or Equivalent Required
Education Specifications
Finance, Economics or related Degree Preferred.
Experience Requirements
Required: Minimum 1 year of experience in Credit Underwriting, Risk analysis or Financial Analysis. Ability to operate in an International environment. Strong communication skills, written and verbal as well as high levels of cultural awareness. Ability to interact with all levels of company leadership and colleagues. Good working knowledge of MS Excel, Word and Outlook.
Preferred: Knowledge of International Export Trade documentation and Securities. Member of the CICM, ICTF, FECMA or similar Credit Management institutions. Experience of Know Your Customer, Anti-Money Laundering, Sanctions and Tax Evasion. Working knowledge of SAP. Experience in the automotive market.
We offer an inclusive compensation package for all salaried employees including, but not limited to, annual bonus programs, employee discounts on motorcycles and related products, general merchandise, and more. We welcome everybody to join our family and be united no matter who you are or where you come from.
Direct Reports: No
Travel Required: 0 - 10%
Visa Sponsorship: This position is not eligible for visa sponsorship or visa transfer
Relocation: This position is not eligible for relocation assistance.
Credit Risk Analyst- (6 Months Maternity Cover) in Oxford employer: Harley-Davidson
Harley-Davidson Motor Company is an exceptional employer that fosters a dynamic and inclusive work culture, offering flexibility in work location and hours for the Sales Strategy and Program Lead role. Employees benefit from a comprehensive compensation package, including annual bonuses and discounts on motorcycles, while also having ample opportunities for professional growth through collaboration with various departments and participation in major consumer events. Join us to be part of a legacy that continues to shape motorcycle culture and innovation.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Risk Analyst- (6 Months Maternity Cover) in Oxford
✨Join Financial Networking Events
Jump into local finance meetups and conferences — they’re a goldmine for temporary roles in banking and financial services. You can chat with industry professionals and even get leads on upcoming opportunities that might not be posted online yet.
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Keep your eyes peeled on job boards specifically for finance roles. Companies like Harley-Davidson might post temporary positions directly on their sites, so make sure to apply there too. Set alerts to catch those roles the moment they go live!
We think you need these skills to ace Credit Risk Analyst- (6 Months Maternity Cover) in Oxford
Some tips for your application 🫡
Show Off Your Academic Achievements:In banking and financial services, your academic record can really make you stand out. List relevant grades, certifications, or coursework on your CV, especially if you've taken finance-related modules. This is particularly important for a temporary role where qualifications can help you shine even brighter!
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Tailor Your Cover Letter Purposefully:When writing your cover letter, focus on why you’re interested in a temporary position at Harley-Davidson. Let them know how you can quickly adapt to the team's needs and how eager you are to learn the ropes of the banking sector during this short stint. Your motivation and enthusiasm could really set you apart!
Be Prepared with References:For temporary roles, references can play a crucial role in your application. Make sure you’ve got a couple of references lined up who can vouch for your skills and work ethic. This helps to give Harley-Davidson confidence in your short-term commitment to the role.
How to prepare for a job interview at Harley-Davidson
✨Brush Up on Financial Regulations
Since this is a role in banking and financial services, be ready to discuss key regulations like MiFID, Basel III, or GDPR. These are hot topics, and your awareness of how they impact daily operations can give you a significant edge during your interview with Harley-Davidson.
✨Showcase Your Analytical Skills
Prepare for interview questions that assess your analytical abilities. You might need to tackle hypothetical scenarios involving risk assessment or financial forecasting. Bringing examples of relevant projects or coursework can emphasise your practical understanding of these concepts.
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For a temporary role, showing that you can quickly pick up new processes and tools is crucial. Be ready to discuss previous experiences where you had to adapt to changing requirements or tight deadlines, as this will reassure Harley-Davidson that you’re a reliable team player.
✨Demonstrate a Willingness to Learn
In a temporary position, leaning into your eagerness to learn can really set you apart. Be prepared to share how you’re staying updated on industry trends or any additional training you've pursued. Employers appreciate candidates who are proactive about their development—even for short-term roles.
