J1960 – Risk Manager – UK, Gtr London / SE Eng – Asset Finance

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Our client is seeking a Risk Manager – UK, Gtr London / SE Eng (ref: J1960) to expertly evaluate and underwrite business from different channels in line risk policies and individual authority. Responsible for maintaining and promoting good governance, credit processes and agreed service levels for all business origination, approvals, collateral, and management of bad debt where and when necessary.

KEY ACCOUNTABILITIES:

• Analyse credit data and financial statements to determine the degree of risk involved in extending credit in all business channels 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.
• Confer, consult and undertake due diligence meetings with both internal and external credit associations and other business/customer representatives to clarify credit/collections information.
• Generate and evaluate financial ratios, using internal credit tools, to evaluate customers' financial status and where necessary undertake benchmarking to compare liquidity, profitability and credit histories of customers being evaluated with those customers within a similar or the same industry and geographic locations.
• Interpret and evaluate collateral curve analysis, in line with market, sector, and portfolio considerations 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.
• 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.

PERSON SPECIFICATION:

• A minimum of 2 years of credit experience, ideally with time spent analysing and interpreting financial statements/data from a variety of industries and commercial backgrounds.
• Excellent analytical skills tempered with a sense of commerciality and business focus.
• Good knowledge of the asset finance industry and the various product offerings and types of funding facilities available.
• Ability to competently and confidently analyse unsecured transactions in both the small and mid-ticket sector.
• Good experience in credit, credit analysis and underwriting of small and mid-ticket essential with some consumer experience being of benefit.
• Good experience in Risk assessment of structured lending/cash flow lending based transactions.
• Good Microsoft Word and Excel skills
• Professional telephone manner and demeanour.
• Strong team player.
• Self-disciplined, motivated and time efficient.

We will only consider applications from candidates with proven relevant experience from the Asset Finance and Leasing Industry.