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Credit Analysis and Control

Risk Manager - Middle Ticket, Thames Valley

Ref: 1133     

Basic to c.£70,000, Bonus, with good benefits

Major client seeking a Risk Manager, responsible for maintaining their high quality and timely underwriting of new business transactions. Working within a team of experienced Risk Middle-Ticket Managers to deliver and ensure a balanced quality portfolio. Transaction sizes in excess of £250k, averaging £350/450k, typically up to £1M. Predominantly hard-assets, but also high-end hi-tech/software deals. Provide appropriate advice to sales teams to ensure that commercial opportunities are maximised without compromising effective risk management. Develop collaborative relationships with key stakeholders, engaging directly with end-users, introducers and other counterparties as required. Conduct regular reviews of existing operational guidelines/ customers/ groups/ vendors in accordance with policy. Needs excellent communication as well as strong negotiation skills. The right candidate will ideally have at least 5 years’ experience in a similar role.

 

Risk Manager - Smaller Ticket, Greater London

Ref: 1153

Basic £47,500, plus 15% bonus, excellent benefits

Our client, part of a major European Bank, requires an experienced credit analyst to underwrite deals across various sectors/assets. Analyse credit data and financial statements to determine the degree of risk involved in extending credit in mainly sales-aid leasing/flow business. Interpret internal and external credit reference agency, broker and market reports. Generate financial ratios, using internal credit tools, to evaluate financial status and where necessary undertake benchmarking to compare liquidity, profitability and credit history of customers within a similar industry and geographic locations. Prepare domestic and external risk reports. Review existing transactions periodically, and regularly update their internal systems for risk monitoring. Make recommendations for the ongoing development of processes and practices. Reports to their Risk Team Leader.

 

Portfolio Risk Analyst, Greater London

Ref: 1131

Basic c.£50,000 plus good bonus, excellent benefits

Our client, part of a major European Bank, has a newly created position. Responsible for the statistical segment of their Credit Risk department, to focus on analysing  and evaluating their portfolio, their Risk automated decisioning system and collections activities. Looking at trends and development to enhance Risk, whilst supporting Sales, Business Development and Collections functions. Seeking excellent analytical and problem-solving skills, with experience in database interrogation and analysis tools, such as Hadoop, SQL and SAS. Experience in VBA or with exceptionally advance Excel skills. Work closely with the business to identify issues within the portfolio and use data to propose solutions for effective decision-making. Assess the effectiveness of data sources and data-gathering techniques and improve data collection methods. Monitoring, measurement, analysis, evaluation and reporting of risks. Look at opportunities to use datasets across other functions in the organisation. Ad-hoc reporting and involvement in projects as and where necessary.

 

Risk Manager - Middle Ticket, Greater London

Ref: 1152

Base c. £55,000, Good Bonus & Excellent Benefits


Our client, part of a major European Bank, requires a credit analyst with at least 3-5 years’ experience, to underwrite deals across various sectors/assets. Analyse credit data and financial statements to determine the degree of risk involved in extending credit for middle-ticket transactions. Interpret internal and external credit reference agency, broker and market reports. Generate financial ratios, using internal credit tools, to evaluate financial status and where necessary undertake benchmarking to compare liquidity, profitability and credit history of customers within a similar or the same industry and geographic locations. Use collateral curve analysis in line with market, sector, and portfolio considerations. Review current exposures as well as non-current customer/supplier/ third party introductory sources. Reports to their Head of Credit.

 

Risk Team Leader - Small Ticket, Surrey

Ref: 1146

Base c.£60,000, with good Bonus & Excellent Benefits

Our client has a wide market focus, providing vendor and equipment finance across all sectors. Team Leader responsibilities will include the day to day supervision of a team of 6 credit analysts. Managing business flow, splitting proposals between each analyst, prioritising deals and overseeing the business cycle. It will include training and/or people development, monitoring progress through regular one-to-one sessions with team members. The team will be responsible for the expert evaluation and underwriting of all business channels in line with agreed risk policies. Maintaining and promoting good governance, credit processes and agreed service levels for all business origination, approvals, collateral, and restructuring. Handling predominantly Flow/Small Ticket transactions, whilst also providing support for middle ticket business when required. Seeking a confident candidate with a minimum of 3-5 years of credit experience, with a strong desire to manage and develop direct reports with the support from Head of Credit.

 

Senior Credit Analyst, Hertfordshire

Ref: 1134

Competitive Package, including Bonus, excellent benefits

Our client, major international lessor, is seeking an experienced analyst to focus on large ticket structured transactions, typically between £2.5m-£30m. Mainly underwriting their Direct Corporate deals covering a wide range of assets/sectors. Obtaining and analysing financial, asset, market, legal and contractual information. Prepare structured financial analysis via ratio and peer group comparison, in completing credit application reports as a sound basis for decision-making by risk committee. Attend meetings and calls to complete due diligence and help support the sales process on such large/complex transactions. Needs to have an organised and structured approach, whilst being comfortable working in complex environments and meeting tight deadlines. Role will include providing advisory guidance to commercial teams on risk policy, processes and procedures. Will also work closely with Relationship/Account Sales Managers in helping them structure larger deals.

 

Collections Officer, Hertfordshire

Ref: 1128

Basic c.£30,000 plus Bonus, excellent benefits

Our client, major lessor, seeking an experienced Collections Officer to join a small team managing the timely collection of outstanding customer payments. Responsible for minimising costs, optimising returns whilst sustaining customer satisfaction. Newly created position. Covering a number of industries, from Construction, Transportation, Agriculture through to Office Technology, Healthcare & Clean Technology. Will ideally suit individuals living in Herts, N/West London or possibly Berkshire.

 

Collections Account Manager, South West London  

Ref: 1123

Basic c.£30,000 plus Bonus, excellent benefits

Major global lessor, seeking a new collections account manager to join an experienced team, chasing and managing arrears and defaults across all business channels of their business. Liaise with the Team Leader and Head of Collections on serious delinquencies and help coordinate any actions required to minimise losses. Ensure compliance with Consumer Credit legislation, and prepare all legal paperwork as required. Be proactive in developing processes in improving systems. The right person needs to have excellent organisational skills and be a good communicator, particularly on the phone. Will suit someone living Berks/Surrey area.