Risk Analyst ??? Up to GBP42K ??? Specialist Lender - Surrey

35000.00 - 42000.00 GBP Annual + GBP35000 - GBP42000/annum Competitive benefits package
29 Aug 2017
27 Sep 2017
Contract Type
Full Time
My client is a Specialist Lender based in Surrey that is looking for a passionate Credit Risk Analyst to work as a key member in the risk team, ensuring the Credit Risk function is robust and managed to the requirements of the business.
They are looking for a passionate, motivated individual that has an aptitude for Credit Risk Analytics. The ideal candidate will have a minimum of 2 years' experience in a similar role within a specialist lending institution. You will be responsible for the evaluation and underwriting of all business channels in line with agreed policies.

Key responsibilities:
• Analyse credit data and financial statements to determine the degree of risk involved in extending credit from sales-aid leasing/flow business to mid-ticket transactions
• Interpret and evaluate internal and external credit reference agency, broker and market reports to determine the degree of risk involved in extending credit.
• Prepare domestic and external risk reports that include the degree of risk involved in extending credit for all mid-ticket business channel transactions with clear, concise and rational recommendations for the credit decision
• Maintain compliance with all leading industry guidelines and statutory regulations including consumer credit, anti-money laundering and data protection
• Review existing transactions periodically to include the evaluation of payment history, purchase activity, collateral curve analysis, market/broker intelligence and prepare recommendations for the renewal of internal credit ratings/facilities
• Review current and non-current customer/suppliers/third party introductory sources, in conjunction with Collections, to identify and limit the extent of delinquent accounts
• Timely completion of all risk reports within agreed service levels
• Ensure that all transactions presented to risk for pay-out meet the appropriate credit sanction and credit limit issued and that all documentation in respect of specific risk caveats has been provided and properly executed
• Attend business meetings with front office providing provisional risk comments on potential transactions.
• Make recommendations for the ongoing development of systems, processes and practices to provide improvements in efficiency and capacity of the risk team and the business in general
Skills and Experience required:
• University degree in technical field (e.g. mathematics, physics, statistics)
• Relevant experience of credit risk/analytics roles
• Hands on, strong knowledge of analysis software languages (e.g. SAS, SQL)
• Highly proficient using Excel and other analysis tools
• Statistical background to produce reporting and models
• Excellent communication skills and ability to convey complex ideas/insights to non-technical members of the team
• Ability to work in an extremely fast paced start-up environment
• Excellent verbal and written communication skills
• Extremely self-motivated / Operate independently
The company is based in Surrey and are a 5 minute walk from the local train station and have on-site parking.
Alongside the basic salary of up to GBP42K they offer an excellent pension scheme, 25 days holiday, private healthcare, annual bonus based on personal performance and a positive, friendly working environment

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