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For Companies At a Glance
- Tasks: Evaluate credit applications and manage dealer relationships in a dynamic team.
- Company: Join a supportive company focused on asset finance and customer satisfaction.
- Benefits: Enjoy flexible working, attractive bonuses, and generous leave policies.
- Why this job: Be part of a collaborative culture with opportunities for growth and international projects.
- Qualifications: Degree in Business/Management or Accounting/Finance; 2-5 years in credit underwriting preferred.
- Other info: Hybrid working options and free parking available.
The predicted salary is between 36000 - 60000 £ per year.
Overview
The successful candidate will be part of a small, dynamic team. They will independently make decisions on moderately complex, high‑limit credit applications for asset finance proposals, following the credit guidelines, policies, and procedures established by the Company. Responsible for providing a high level of support and maintenance of dealer/partner relationships. May also provide work directions or assist with training, coaching, and mentoring other Dealer Relationship Officers and internal staff. The role will involve occasional customer and dealer visits.
Responsibilities
- Credit Evaluation: Assess moderately complex, higher-value asset finance proposals by analysing financial statements and customer information.
- Decision-Making: Approve, decline or make recommendations on finance proposals in accordance with company policies, procedures, and risk appetite.
- Portfolio Management: Review and authorise additional transactions within existing credit limits to support portfolio performance and manage risk effectively.
- Customer Communication: Conduct visits to manage large credit lines, clarify financial queries, understand customer replacement strategies, and strengthen relationships.
- Dealer Support: Promote asset finance products, systems, and marketing initiatives to dealers and other stakeholders. Provide coaching and guidance to enhance product uptake and understanding.
- Stakeholder Engagement: Foster strong relationships with dealers, Area Sales Managers, and key stakeholders through regular video calls and occasional in-person meetings to drive collaboration and shared objectives.
- Operational Assistance: Support partners with financial documentation, resolving queries, and occasionally assisting with collections to maintain service quality and customer satisfaction.
- Team Development: Mentor and coach other Dealer Relationship Officers and internal staff, contributing to their professional growth and capability development.
- Process & Project Involvement: Actively participate in process improvement initiatives and collaborate on international projects to enhance underwriting efficiency and cross-functional effectiveness.
Qualifications
- Degree in a Business/Management discipline or equivalent experience. University Degree (4 years or equivalent).
- Or Degree in an Accounting/Finance discipline or equivalent experience. University Degree (4 years or equivalent).
- Work Experience: Credit underwriting or related experience (2–5 years). Experience in customer service or related customer-oriented environments (1–3 years).
Benefits
- Supportive, flexible, and inclusive working environment
- Attractive remuneration and bonus scheme
- Generous pension scheme
- We Care employee assist benefit
- Long service awards
- Hybrid / flexible working
- Hours of work: Monday – Friday, 37.5 hours per week
- Easy access and free parking
- Career progression / international exposure through project work
- Group Income Protection and Group Life Assurance and Death in Service benefits
- 25 Days annual leave
- Long service bonus holiday (plus opportunity to buy and sell holiday)
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Credit Analyst employer: John Deere
Contact Detail:
John Deere Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Analyst
✨Tip Number 1
Familiarise yourself with the latest trends in asset finance and credit evaluation. Understanding the current market conditions and financial products will help you engage more effectively during interviews and demonstrate your knowledge.
✨Tip Number 2
Network with professionals in the credit analysis field. Attend industry events or join relevant online forums to connect with others who can provide insights or even refer you to opportunities at StudySmarter.
✨Tip Number 3
Prepare for potential scenario-based questions that assess your decision-making skills. Think about how you would handle complex credit applications and be ready to discuss your thought process during the interview.
✨Tip Number 4
Showcase your ability to build relationships by preparing examples of how you've successfully managed customer or dealer interactions in the past. This will highlight your suitability for the role's emphasis on stakeholder engagement.
We think you need these skills to ace Credit Analyst
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in credit analysis, financial evaluation, and customer service. Use specific examples that demonstrate your ability to assess complex credit applications and manage relationships.
Craft a Compelling Cover Letter: Write a cover letter that showcases your understanding of the role and the company. Mention your experience with credit underwriting and how you can contribute to the team’s success. Be sure to express your enthusiasm for the position.
Highlight Relevant Skills: In your application, emphasise skills such as decision-making, portfolio management, and stakeholder engagement. Provide examples of how you've successfully managed customer relationships and supported team development in previous roles.
Proofread Your Application: Before submitting, carefully proofread your application for any spelling or grammatical errors. A polished application reflects your attention to detail, which is crucial for a Credit Analyst role.
How to prepare for a job interview at John Deere
✨Understand Credit Evaluation
Familiarise yourself with the principles of credit evaluation, especially how to analyse financial statements and customer information. Be prepared to discuss your approach to assessing asset finance proposals and any relevant experience you have in this area.
✨Showcase Decision-Making Skills
Be ready to demonstrate your decision-making process regarding credit applications. Think of examples where you've had to approve or decline proposals based on company policies and risk appetite, and be prepared to explain your rationale.
✨Emphasise Relationship Management
Highlight your experience in managing relationships with customers and dealers. Discuss how you've successfully communicated with stakeholders and provided support, as well as any strategies you've used to strengthen these relationships.
✨Prepare for Team Development Questions
Since mentoring and coaching are part of the role, think about your experiences in developing others. Be ready to share specific examples of how you've trained or guided colleagues, and what impact it had on their performance and growth.
