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Dealer Credit Analyst

Job Description

Great job opportunity for a Dealer Credit Analyst, (Hungarian, Dutch or Flemish speaking) to join our client, a large multinational organisation at their new flagship site in Manchester City Centre. 

You will be responsible for the full cycle credit management of a Car Dealer lending portfolio of low to medium risk/complexity Dealers, representing their well-known Brand. To manage their Dealer portfolio Dealer Credit Analysts, will interact with areas across the organisation and directly liaise with Dealers, National Sales Companies and external third parties and representatives as required. As an operational department, the work load is dynamic, driven by external and internal customer service requirements.

As a Dealer Credit Analyst your role will involve: 

*Building, developing and managing funding relationships with senior Dealer management (e.g. Managing Director/Finance Director/Operations Director) of low to medium risk/complexity Car Dealers
*Carry out desk based and (as necessary) customer facing credit assessments of low to medium risk/complexity Dealers, reviewing financial and non-financial data at a company, sector and macro level
*Prepare and propose recommendations on credit proposals and credit reviews for decision by Credit Committees, ensuring clear, concise, business focused assessment for fully informed Credit decision making, including all necessary compliance checks.
*Monitor and control credit risk in existing Dealer customer portfolio, identifying any risk escalation trigger events and taking/proposing appropriate risk mitigation actions 
*Maintain controls to ensure that credit reviews are completed and approved on a timely basis
*Draft credit releases and distribute approved credit files and credit releases
*Structure, negotiate, and manage to completion any non-standard credit risk proposals 
*Prepare and manage documentation requirements for all facility change situations, including introduction of new facilities or withdrawal of existing lines, and/or additional security requirements, working with external adviser's as required
*Liaise closely with regional locations to develop a joint approach to management of funding/risk issues on a Dealer by Dealer basis.
*Identify and develop (in conjunction with the regional locations) profitable new business opportunities.
*Work with Wholesale Operations and Wholesale Audit & Controls teams to resolve queries relating to the administration and usage of the Dealer's facilities or credit collection issues. 
*Be a member of certain Credit Committees, and attend and present (where applicable) to the higher level Credit Committees
*Ensure timely provision of monitoring and control information from Dealers
*Take/propose appropriate risk mitigation actions as required 
*Monitor and control credit risk in existing Dealer portfolio in order to proactively manage the portfolio and to try to anticipate potential Dealer problems
*Develop Dealer Credit Risk Management best practices with other regional teams, focusing on improving processes and enhancing credit assessment.
*Support and provide vacation cover to other Dealer Credit roles as required.
*Ad-hoc work, as required, to enhance full cycle risk management of Dealer and Fleet portfolios

You'll benefit from, new offices at a desirable city centre location, great working environment, Company discounts, work life benefits, excellent transport links, opportunity for progression, competitive salary, relocation fee (if applicable) amongst many more. 

The ideal candidate will have:
*Previous experience in an financial analysis or risk role, ideally within similar industry sector
*Ability to analyse financial and other data and interpret this succinctly to utilise in decision making 
*Excellent verbal and written communication skills in one or more European language (as specified)
*Must be able to demonstrate a focus on delivering results, with strong organisational skills 
*Evidence of effective communication and confident presentation skills, with an ability to interact with internal and external audiences at all levels of the business
*Ability to work independently to meet deadlines whilst maintaining high levels of quality and efficiency
*Understand and consistently apply fair treatment of customers 
*Ability to acquire and put into practice new knowledge and skills, developed though on the job training
*Willing to cross-cover within business centre to support other teams as required to help maintain overall quality of service

Interested in this role, based in Manchester City Centre. Apply here today!



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