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Credit Analyst

Mission:

Ensure that all aspects of Credit Appetite and Policy are current and appropriate and are being adhered to. Assess new proposals at both a transactional and supplier level and monitor those existing in our portfolio to ensure that Henry Howard Finance is taking onboard an acceptable level of risk.

Key responsibilities:

•  Conduct detailed Vendor Reviews and make recommendations for future relationship parameters
•  Access portfolio information on Vendor / Sector / Equipment basis and make recommendations on Risk parameters going forward
•  Manage Credit alerts for end users and Vendors
•  Undertake ad hoc analysis to help shape Credit Appetite and Policy
•  Assess new business proposals from a Credit Risk perspective as to whether they meet HHF Credit Risk appetite and fit within Credit Policy
•  Document and decision deals within own personal credit underwriting mandate, with clear rationale so that a third party can understand the logic behind the decision
•  Make recommendations with supporting substantiated rationale on deals outside of own personal credit underwriting mandate
•  Communicate credit decisions and requirements in a clear and concise manner to other parts of the business
•  Assist with the ongoing monitoring of the existing portfolio by periodic reviews of existing larger exposures as defined by Credit Policy
•  Assist with the ongoing monitoring of the existing portfolio by reviews of existing larger Supplier/Vendor relationships as defined by Credit Policy
•  Act as a point of contact for reviewing potential fraudulent proposals and where necessary liaise with other funders and CIFAS
•  Assist with the communication of Credit processes and requirements throughout the business to help the understanding of Credit across HHF
•  Keep up to date with UK news to understand any implications this may have upon credit decisioning and risks to HHF

Skills and Qualifications:

• GCSE Maths and English grades A-C (or equivalent)
• Basic Microsoft Office experience but intermediate Excel skills including use of pivot tables
• Proven analytical skills with ability to document findings and make recommendations
• Demonstrable ability to think around a subject, considering risk implications of our current Policies and Procedures

Please apply in the first instance by sending your CV to humanresources@hhf.uk.com