Vacancy Details

The Company:

Our Client is one of the world's leading Financial Services providers and has global operations.

The Group operates under a number of well known brands and it's product range includes Retail Banking, Wealth Management, Corporate Markets, Global Banking Markets and Insurance.

The Role:

• Undertake quality credit risk assessments, within agreed service levels, as necessary for potential new Commercial Cards customers (including applications for increased/additional facilities)
• Ensure quality credit risk assessments are undertaken on a timely basis on all facilities identified as requiring review as a result of monitoring processes and/or requiring annual review
• Exercise an individual Credit Authority and/or formulate appropriate recommendations, with reference to the Groups policies and the Principles for Managing Credit Risk, to obtain sanction from the appropriate sanctioning authority
• Ensure that all systems/databases are maintained accurately at all times, for management information reporting
• Ensure all relevant parties including Commercial Card RMs, Corporate/Commercial RMs and other Credit units, are communicated to throughout the assessment process – including the resultant decision
• Where material deteriorating concerns are identified, or risk of loss is considered likely, undertake necessary actions to minimise potential loss and/or raise provision as appropriate
• Liaise with Insolvency Practitioners/Professional Advisors as appropriate
• Act as a reference point to all of the companies businesses for Credit Risk/Policy issues relating to the Commercial Cards products
• Continuously evaluate efficiency/effectiveness and assist with implementation of new processes which lead to service improvement

The Person:

• Ability to interpret financial accounts to determine the creditworthiness of a business
• Knowledge of non-personal insolvency would potentially be beneficial
• Basic PC Skills, including familiarity with the Microsoft Office suite of products and other computer based applications
• Ability to work under pressure to tight time-scales, whilst maintaining quality of work and producing clear, concise reports and analysis
• Ability to communicate at all levels both internally and externally
• Needs to possess a passion for continuous improvement
• Ability to foster an environment which actively promotes teamwork and the sharing of ideas
• Must be commercially aware of the impact of economic factors on credit risk
• Active participation in achieving unit objectives
• Experience of non-personal credit risk assessment practices within the Group, or similar experience in an external environment