|CAREERS IN LEASING|
|Salary:||£70,000 plus excellent bonus and benefits|
|Location:||UK, London / SE Eng|
|Job Function:||Credit Risk & Collections|
|Asset Type / Sector:||All Assets / Sector|
|Job Description :||J2199 - Our client is seeking a Credit Risk Analyst - UK, London to assume responsibility for evaluating each credit proposal (balance between risk and profitability) and for the development, maintenance and quality of the whole credit portfolio. You will work in line with corporate risk management credit policy, as well as local regulations, legislation and client interests to optimise the profitability of the portfolio.
Use the credit proposal and any additional information to analyse the risk. Make a recommendation on this, in line with the credit policy, in order to present the most comprehensive credit proposal for approval.
Operate in close cooperation with Asset Management and Relationship Managers to assess the customer’s credit worthiness and the asset collateral throughout its useful economic life.
Assess the value of the underlying assets; requiring a high degree of intimate market and industry knowledge is necessary.
Assess credit requests with complex credit constructions and international clients where syndications may occur.
Approve credit proposals within delegated decision powers.
Check and sign proposals, contracts and term sheets, within delegated decision powers, ensuring that the contract is correct and complete.
Assess whether lending to the customer is responsible and in line with an audit, so that the credit can be restructured in good time if necessary.
Transfer knowledge on business and market analysis, lending and assets to colleagues and, using your experience and vision of Credit Risk Management, advise them so that they can perform their duties more professionally.
Good first degree or equivalent work experience gathered within risk function.
Experience in a similar position.
Proven financial industry working experience.; preferably Asset Finance and Leasing.
Knowledge of leasing market and products and activities.
Experience in structuring of deals.
Ability to interpret financial statements.
Advanced understanding of financial ratios and business principles and strong analytical skills with an ability to question assumptions.
Advanced knowledge of credit analysis and lending / leasing functions.
Advanced knowledge of typical equipment finance and bank products and services.
Highly motivated and ambitious, with high energy levels and ability to prioritize and multi-task effectively.
Good/strong Risk knowledge.
We strongly favour applicants with proven relevant experience in Financial Services; particularly in Asset Finance and Leasing.