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- Tasks: As a Credit Analyst, assess financial risks and manage customer credit applications daily.
- Company: Join WEX Europe, a top provider of flexible fuel cards across Europe.
- Benefits: Enjoy hybrid working, competitive salary, annual bonuses, and 25 days holiday plus perks.
- Why this job: Be part of a dynamic team, make impactful decisions, and grow your analytical skills.
- Qualifications: Proven analytical skills and experience in credit underwriting or similar roles required.
- Other info: Opportunity to work with diverse European portfolios and develop strong professional relationships.
The predicted salary is between 23000 - 27500 £ per year.
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, ambage and report exposure position to determine the level of risk
- Overtrade management where the customer exposures can rapidly change
- Assessing customers' accounts using information gathered, and making an informed decision within credit parameters with commercially balanced recommendations
- Analysis of customers' financial statements and B2B Credit Reports
- Maximizing volume opportunity and growth in line with business goals
- 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
- High attention to detail
- 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 in Manchester employer: Wex Europe
Contact Detail:
Wex Europe Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Analyst in Manchester
✨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 risks will give you an edge during discussions with our hiring team.
✨Tip Number 3
Network with professionals in the finance and credit sectors, especially those who have experience in European markets. This can provide you with insights into industry standards and practices that may be beneficial during your application process.
✨Tip Number 4
Prepare to discuss your experience with data analysis and reconciliation. Highlighting your advanced Excel skills and any relevant software tools you've used will showcase your technical abilities, which are essential for this position.
We think you need these skills to ace Credit Analyst in Manchester
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in credit analysis or underwriting. Use specific examples that demonstrate your analytical skills and familiarity with financial statements, as these are key aspects of the role.
Craft a Compelling Cover Letter: Write a cover letter that not only expresses your enthusiasm for the position but also addresses how your skills align with the responsibilities outlined in the job description. Mention your experience with credit risk assessment and any relevant software tools you are proficient in.
Highlight Relevant Skills: In your application, emphasise your strong analytical skills, attention to detail, and experience with credit reference agencies. If you have advanced Excel skills or knowledge of European underwriting practices, make sure to include these as they are highly relevant.
Proofread Your Application: Before submitting, carefully proofread your CV and cover letter 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 Wex Europe
✨Know Your Numbers
As a Credit Analyst, you'll be dealing with financial statements and credit reports. Brush up on your ability to interpret balance sheets and P&L statements. Be prepared to discuss how you would assess the financial position of potential clients.
✨Showcase Your Analytical Skills
Highlight your proven analytical skills during the interview. Prepare examples of how you've successfully assessed risk in previous roles, particularly in credit underwriting or analysis. This will demonstrate your capability to make informed decisions.
✨Familiarise Yourself with European Markets
Since the role involves working with multiple European portfolios, it’s beneficial to have some knowledge of the credit landscape in different countries. Research common practices and regulations in credit assessment across Europe to show your preparedness.
✨Emphasise Relationship Building
The job requires strong relationships with credit teams, sales teams, and customer service advisors. Be ready to discuss your experience in building and maintaining professional relationships, and how this has positively impacted your previous work.
