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- Demonstrate, identify and execute a good understanding of risk management, appreciating the balance between Risk and Service.
- Managing of the Strategic products facilities which includes larger Factoring, Invoice Discounting, Trade Finance and Revolving Stock facilities.
- Clients to be managed in a manner consistent with industry best practice, to ensure exceptional client service and extended client life.
- Maintaining a good understanding and knowledge of the way each client conducts their business.
- Maintain communication between client, senior management, and professionals within the industry.
- Clients to be managed in accordance with applicable sanctions. Agreed terms to be applied and monitored tightly.
- Ability to write and submit client reviews, variations, and uplifts, to senior management right up to main level board.
- Have a good grasp of debtor underwriting principles to include the setting and management of debtor risk appropriate to the facility and within company appetite and the monitoring of said limits thereafter.
- Installing appropriate internal triggers to highlight potential issues and ongoing monitoring thereof through the weekly
- escalation process reviewing collection targets, level of unapproved debt, dilution and verification.
- Monthly monitoring of Client Compliance and ongoing Operational conditions.
- Overall monitoring of debt performance, analysing facility statistics to identify potential red flags, proactively acting on
- anomalies.
- Identifying warning signs / be alert for changes in client and consider ways in which to reduce the possibility of fraud /
- bad debt and to take appropriate action.
- Understand the clients' business and able to formulate an exit strategy.
- The ongoing review of client performance – analysis of financial information including Audited Accounts, Management Accounts, Financial Forecasts and Cashflows and track in accordance to forecast.
- Maintain a professional appearance and be able to hold face to face meetings with clients.
- Understanding and review of legal and security documentation.
- Compliance with AML & KYC regulations
- The ideal candidate will have financial services and/or client management experience.
- Product knowledge - Experience of Factoring, Invoice Discounting and Trade facilities and understanding of key features and risks.
- Experience of Risk analysis.
- Understanding of Statistics.
- Strong Financial accounts understanding – ability to analyse and comment financial statements.
- Strong communications skills – verbal and written.
- Microsoft skills to include Excel to a high standard.
- Numeracy and analysis of information – can analyse accounts to enable an informed decision regarding funding and monitor ongoing viability of client business.
- Ability to work closely with other people in a variety of roles.
- Organised, methodical with an eye for detail.
- Ability to build strong relationships.
- Be confident working with technology/willingness to learn new systems.
- Team Player.
- Self-motivated – able to work alone or as a team member to successfully achieve given tasks within specific deadlines.
- This is an office based role where you will be expected to work as part of the team.
- There will be a requirement for you to attend regular external client and or service provider meetings as appropriate in order to maintain a good understanding of the client needs.
- ABFA Foundation
- ABFA Certificate