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- Tasks: As a Credit Analyst, you'll assess credit risks and evaluate financial positions daily.
- Company: WEX Europe is a leading provider of flexible fuel cards across Europe.
- Benefits: Enjoy a competitive salary, hybrid work, 25 days holiday, and an industry-leading pension scheme.
- Why this job: Join a dynamic team, make impactful decisions, and enjoy a supportive work culture.
- Qualifications: You need strong analytical skills and experience in credit underwriting or analysis.
- Other info: This role offers no evenings or weekends, perfect for work-life balance.
WEX Europe is a leading provider of Fuel cards. We manage a range of flexible fuel cards in several key markets across Europe and due to ongoing growth, we are looking to recruit a Credit Analyst to join our Credit team.
The Credit Risk team are responsible for monitoring customers' spend against their authorised credit limits. Underwriting all applications across eight issuing countries in Europe, assessing and measuring the risk of extending credit to all applicants. Proactive portfolio management ensuring continuous monitoring of the financial condition and performance of our customers.
Our portfolio covers a wide range of business types and sizes from small enterprises to large corporate businesses and institutions.
What’s on offer?
- Highly competitive salary of £23,000-£27,500 (Dependent on experience)
- Annual company bonus
- 37.5 hour week - Monday to Friday - no evenings or weekends
- Hybrid working from our Manchester City Centre office
- Industry leading pension scheme
- 25 days holiday plus bank holidays - with the opportunity to purchase additional holidays
- Life assurance & income protection
- Discount & perks platform
- Employee wellbeing
Key Responsibilities of the Credit Analyst:
- To assess and measure the risk of extending credit to all applicants
- Assess and evaluate the financial position and credit worthiness of all applications
- Interpret / translate financial statements including balance sheets, P&L Statements and management accounts
- Strive to accept all business, through accepting and controlling the higher risk customers - by means of reduced terms, securities etc.
- Minimize the risk to the business with a strong focus on fraud screening
- Working with multiple European portfolios
- Assess, manage and report exposure position to determine the level of risk
- Assessing customers’ accounts using information gathered, and making an informed decision within credit parameters with commercially balanced recommendations
- Analysis of customer’s financial statements and B2B Credit Reports
- Customer contact and daily interaction with the in-country credit and sales teams
- Building and maintaining strong relationships with all Credit Teams, Sales Teams and Customer Service Advisors
Experience you’ll bring:
- Proven analytical skills with the ability to assess financial information
- Previous experience in credit underwriting / analyst or a similar role
- Experience of dealing with the main credit reference agencies
- Strong administrative skills - capturing and recording data, data reconciliation
- Advanced Excel skills
- Knowledge of underwriting in European countries
- European language skills would be advantageous but not essential
- Strong decision-making skills
- Ability to interface with all levels of management and staff
What’s next?
If you have the skills and passion to be our next Credit Analyst, we would love to hear from you. APPLY NOW for immediate consideration.
Credit Analyst employer: Wex Europe
Contact Detail:
Wex Europe Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Analyst
✨Tip Number 1
Familiarise yourself with the key financial statements like balance sheets and P&L statements. Being able to interpret these documents will not only help you in interviews but also demonstrate your analytical skills, which are crucial for a Credit Analyst role.
✨Tip Number 2
Brush up on your knowledge of credit risk assessment and underwriting processes. Understanding how to evaluate creditworthiness and manage risk will set you apart from other candidates and show that you're ready to take on the responsibilities of the position.
✨Tip Number 3
Network with professionals in the finance and credit sectors, especially those who have experience in European markets. Building connections can provide valuable insights and may even lead to referrals, increasing your chances of landing the job.
✨Tip Number 4
Prepare for potential interview questions by practising your responses to scenarios involving credit risk management and decision-making. Being able to articulate your thought process clearly will demonstrate your strong decision-making skills, which are essential for this role.
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 or underwriting. Emphasise your analytical skills and any experience with financial statements, as these are crucial for the role.
Craft a Strong Cover Letter: Write a cover letter that specifically addresses the responsibilities mentioned in the job description. Explain how your previous experiences align with the key responsibilities of assessing credit risk and managing portfolios.
Highlight Relevant Skills: In your application, clearly outline your advanced Excel skills and any experience with credit reference agencies. Mention any language skills you have, as they could be advantageous for this role.
Showcase Your Decision-Making Abilities: Provide examples in your application that demonstrate your strong decision-making skills. Discuss situations where you had to assess risk and make informed decisions based on financial data.
How to prepare for a job interview at Wex Europe
✨Know Your Financial Statements
As a Credit Analyst, you'll need to interpret financial statements like balance sheets and P&L statements. Brush up on your ability to analyse these documents and be prepared to discuss how you would assess a company's creditworthiness based on their financial data.
✨Demonstrate Analytical Skills
Showcase your analytical skills during the interview by discussing past experiences where you've successfully assessed financial information. Be ready to provide examples of how your analysis led to informed decision-making in credit underwriting.
✨Familiarise Yourself with Credit Risk Management
Understand the principles of credit risk management and be prepared to talk about how you would minimise risk when extending credit. Discuss any relevant experience you have in fraud screening or managing higher-risk customers.
✨Build Rapport with Interviewers
Since the role involves daily interaction with various teams, it's important to demonstrate your interpersonal skills. Engage with your interviewers, ask questions, and show that you can build strong relationships with colleagues across departments.
