Collections & Recoveries Account Manager, South West London
Ref: 1332
Basic to £38,000 plus Bonus, excellent benefits
Major global lessor, part of a large banking group, seeking a collections and recoveries account manager to join an experienced team chasing and managing arrears and defaults. Main focus on arrears aged 60-90 days, across all business channels (including working with suppliers, vendors and broker partners). Manage the full collection and recovery process in order to minimise risk and ensure the timely collection of payments. Arranging sustainable repayment plans through effective evaluation of income & expenditure with customers in need. Review contractual documents to identify information that can add value to the recovery process, including obtaining valuations from the Asset Management team. Liaise with the Collections Team Leader on serious delinquencies and coordinate actions. Review cases for bad debt provision recommendation, completing necessary paperwork for Head of Collections. Ensure compliance with all regulatory legislation and prepare all legal paperwork when required. Manage occasional project and development work, and be proactive in developing and improving processes. Requires excellent organisational skills and be a good communicator. Good hybrid working available.
Risk Manager (Flow Business, to £500k), Greater London
Ref: 1330
Basic to £48,000, plus good bonus, excellent benefits
Our client, major 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. Good hybrid working options.
Senior Credit Underwriter, Hampshire (good hybrid options)
Ref: 1304
Basic to £70,000, with bonus & excellent benefits
Well established Bank, with considerable growth plans, looking to increase their credit risk team with this newly created underwriting opportunity. Mainly broker-introduced business, but also managing a mix of direct and vendor proposals. A focus on hard-assets, though some exposure to hi-tech/soft assets. Supporting SME lending in ensuring the quality of new business proposals and their portfolio. Delivering timely credit decisions within credit policy, whilst building close relationships with brokers and customers. They have auto decision systems for flow business. You will be managing a wide range of deals, but must have specific experience in the structuring of some of their more complex deals - larger credits from £500k up to £20M, including the preparation of credit papers for submission to Credit Committee. They have an experienced credit team of ten, and this senior position with require you to overseeing 3 underwriters. So people management or good prior mentoring/coaching experience would be highly beneficial. Good hybrid working options - with you ideally attending their offices twice a week. Some greater flexibility possible depending on someone’s home location.
Senior Credit Analyst (Larger ticket structured transactions £1M-30M)
Ref: 1297
EXCELLENT PACKAGE - to attract top risk talent.
Our client is a major bank with well established middle-ticket risk team. Keen to identify a highly skilled analyst with a minimum of 5 years experience, currently underwriting larger transactions. Suitable candidates are likely to already have a personal mandate of c.£500k. Will be joining an extremely experienced team of 8 analysts. You will play a pivotal role in assessing and evaluating creditworthiness, conducting financial analysis and providing recommendations for large ticket structured transactions and dealer stocking line requests - typically £1m - £30m. Covering both Hard Assets & HiTech business. Collaborating closely with internal stakeholders, analysing complex financial data and contributing to their overall risk management strategy. Good Hybrid working options, attending their Home Counties offices 2 days a week.
Senior Credit Underwriter, London/Essex (flex on home location/good hybrid options)
Ref: 1301
Basic c.£65,000, plus Bonus. Usually Additional Benefits
Wholly owned subsidiary of a well established City based bank. Supporting small and medium sized enterprises and high net worth individuals. Mainly broker-introduced business, managing close working relationships with a wide broker panel. Main focus on financing critical assets ie. commercial plant & machinery, coaches, commercial vehicles; but assets also includes some higher value private cars. Seeking an experienced underwriter to evaluate, analyse and approve credit proposals and revisions to underwrite structured finance deals and maintain the portfolio through a consistent level of credit risk assessment. Provide commercially balanced recommendations where new business applications are above your personal mandate. Assist with the preparation of credit papers for submission to their Credit Committee. Process new business proposals with a high level of service to brokers, suppliers and customers within strict time deadlines. Maintain an awareness of compliance with legal processes and statutory requirements. Attending meetings (some virtual) with key brokers at Sales request, to make the difference with positive discussions/ negotiation on transactions. Very flexible on applicants location - having to attend their offices only occasionally.
Credit Analyst, Home Counties
Ref: 1295
Basic c.£45-55,000, usual benefits
Our client is a Captive with a well established worldwide brand. Now seeking an experienced Credit Analyst to assess the credit worthiness of both existing and new prospective customers in underwriting a wide range of deals, agreeing lending terms/pricing. Performing regular risk reviews in generally overseeing their large portfolio. Reporting directly into their Head of Credit & Risk, part of a small experienced risk team, this is a varied role supporting their vendor/dealership business. They have an established auto-approval system for flow business, with you mainly managing proposals above £125k up to £1M+. Taking a disciplined approach to evaluate deals using your technical analytical/ accounts interpretation skills. Making rational recommendations, and preparing papers for those transactions requiring higher authority approval. An influencer with strong attention to detail, with the ability to build relationships across sales, relationship teams and back office. Ideally suits someone with hard-asset underwriting experience, and living around the Berks/Hants area. Good hybrid working (WFH) is available - 3 days in office.
Risk Manager - Middle Ticket, Greater London
Ref: 1296
Basic to £70,000, 15% Bonus & Excellent Benefits
European Bank, requires a credit analyst with at least 3-5 years’ experience, to underwrite middle-ticket deals, focusing on proposals £500k+ (average £1-2M). Mix of programmes, dealership/reseller business and broker introduced. Hi-Tech through to Transport, Construction and Industry. 60% IT (some Medical/Renewables/Green), 40% Hard Assets. Managing around 5 deals a day. Joining an existing team of 7 experienced Risk Non-Flow Managers. Top 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. Offices in Greater London, but offering good hybrid working options.
Lending Officer, Asset Finance (Fixed Term Contract), East Midlands
Ref: 1298
Competitive Package (Full details available on request)
Well established specialist lending bank, already strongly positioned in the broker-introduced business marketplace. This is an initial Fixed Term Contract, with the right applicant becoming part of an existing team as a first point of contact in providing customer and broker support the Asset Finance sales team in the preparation of credit applications and drawdowns, obtaining asset valuations, completing AML/KYC updates. Undertaking credit searches, exposure checks and analysing bank statements. Collate information and where necessary prepare deal drawdowns variations for new deals or drawdowns under existing Lines. Help maintain their Asset Finance introducer panel, including monitoring the sales pipeline, and ensuring reviews are undertaken and submitted. Manage other routine administrative support procedures as required.