Credit Manager
Salary £65-70k plus car, bonus and benefits
Essex
Hybrid working
Our client is a major player in the financing of “Hard Assets” are looking to recruit a Credit Manager with underwriting experience in asset or motor finance. As Credit Manager, you will be responsible for the management and mentoring of the Dealer and Direct Sales Credit team.
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Main Activities – Credit Manager
- Responsible for the management of credit applications principally within the Agricultural, Construction and Commercial Vehicle Sectors
- To examine, analyse, underwrite and decide each new business proposal ensuring that these are within agreed Company Credit Policies.
- Produce analyses of customers’ accounts and prepare Credit Application Forms containing a detailed recommendation if above personal underwriting authority in order that a higher sanctioning authority will be able to sanction the proposed lend.
- To obtain further information concerning an application as required and interfacing with customers to resolve credit-related questions, including on-site visits where appropriate.
- Participate in regular meetings and conference calls with colleagues, introductory sources and third parties to review business and develop processes
- Provide support as required in order to maintain company service standards in terms of credit turnaround times across all market sectors.
- To organise or participate in regular and ad hoc Credit Committee meetings or calls to make recommendations when necessary
- Evaluate the processes to mitigate corporate risk, initiating and implementing continuous credit process improvements
- Ensure policies are communicated, complied with and understood by the team
- Provide accurate and timely reports in the formats and frequencies required
Knowledge, Skills and Competencies:
- Skilled and experienced in underwriting business credit applications. Understanding credit in the Agricultural, Commercial vehicle and Construction sectors would be a distinct advantage
- Highly skilled in financial analysis for credit underwriting purposes, contract documentation and legal/ fiscal requirements to manage the portfolio in line with corporate goals.
- Knowledge and experience of operating in a Regulated environment using all AML/KYX tools
- An understanding of asset management and collections related processes
- Possess excellent people skills and be an effective team player.
- Excellent communication skills – both oral and written.
The role is based in Essex with the option to be home-based up to 3 days a week
Benefits: company car; pension healthcare and a range of flexible benefits
For more information, please contact Julie on 01279713900.
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