- Identify relevant potential areas of risk relating to sold vehicles, ageing stock, counterparty risk, and overall portfolio risk by reviewing negative behavioural trends and making recommendations to mitigate such risks, including the ongoing management of accounts. Manage the escalation process and reporting to all stakeholders.
- Mitigate the risk of new customer applications by searching Companies House, The Insolvency Service, public domain websites and other third-party registries.
- Help to plan and organise large multisite customer audits in conjunction with our Regional Audit Managers to ensure the efficient and effective overall deployment of audit resources.
- Ensure all customers are continually monitored, including Guarantors and personal assets, via third party Credit Reference Agent(s) and websites.
- Retrospectively analyse of Potential Loss cases to identify opportunities to mitigate losses in the future by enhancing Risk controls.
- Complete periodic audits with the Asset Registration Agencies, HPI, Experian & CDL to ensure Partner Finance Interests are recorded.
- Monitor and control the additional security database to ensure that collateral cover is maintained, including charges over unencumbered stock and property charges.
- Monitor market trends in vehicle pricing/sales and use this information to identify heightened risk positions within the portfolio.
- Educated to Degree level and/or relevant experience in a commercial Risk environment within the finance/credit industries.
- Ability to read, analyse and interpret financial statements is desirable.
- Excellent numerical skills, with good Microsoft Office skills in Excel and Access are essential.
- Understanding of current Macro/Economic Risks.
- Experience in asset-based lending would be advantageous.
- Ability to compile reports and communicate findings in a clear, concise, and accurate manner.
- Strong attention to detail.
- Excellent presentation skills.
- Good organisational skills and time management.
- Ability to interact positively with peers and managers.
- Company Pension Scheme
- Private Medical Insurance (role dependent)
- An Employee Assistance Programme
- Enhanced maternity, paternity, and adoption leave
- Access to trained Mental Health First Aiders
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Credit Risk Analyst - camberley, United Kingdom - BCA UK
Description
Job DescriptionJob Title: Credit Risk Analyst
Location: Hybrid (Home working & BCA Blackbushe)
Salary: Up to £45,000 per annum
Working Hours: 40 Hours, Monday - Friday
Job Status: Permanent
Join the UK's largest B2B used vehicle service
At BCA, we're altogether, more. More than just your average vehicle remarketing company. More than just any other place to work. We're Europe's largest vehicle remarketing business, the backbone of the UK's automotive supply chain, and the best place to build the career you want.
Now, this is where you fit in...
Assist the Risk Manager and the business with developing and maintaining the risk management framework. including working with reports and data identifying potential and actual credit risks amongst the live customer portfolio
Your key responsibilities will be:
To be successful, you'll bring some of the following experience with you:
We've put everything in place to ensure you thrive. Competitive salaries, strong core values and an excellent benefits package that includes:
And so much more...
As the automotive industry changes, we're changing with it - putting our people in the front seat for the journey. We're the number one in what we do for a reason and that's because of the people we have on our teams. If you want to be a part of a business like this; unrivalled, exciting and appreciative of the work you do, join BCA.
We are proud to be Level 1 Disability Confident and committed to ensuring our recruitment process is inclusive and accessible.
Our policy is to employ the best qualified people and provide equal opportunity for the advancement of employees including promotion and training and not to discriminate against any person because of gender, race, ethnicity, age, sexual orientation, religion, belief, or disability
