The Credit Analyst will have expertise in the credit worthiness of potential and existing businesses and independently make recommendations using customer financials and reports.
Responsibilities
Perform objective, in-depth credit evaluation and financial analysis independently
Analyze and interpret financial statements and reports to determine credit risk involved
Synthesize analyses to make recommendations that affect credit extension or credit denial
Perform credit risk calculations and assessments on current and new customers and make credit level recommendations
Proactively monitor customer credit status using all available internal reporting and systems
Requirements
College degree in Accounting or Finance
Nice to have: Credit analysis experience in the transportation industry
The Credit Analyst will have expertise in the credit worthiness of potential and existing businesses and independently make recommendations using customer financials and reports.
Responsibilities
Perform objective, in-depth credit evaluation and financial analysis independently
Analyze and interpret financial statements and reports to determine credit risk involved
Synthesize analyses to make recommendations that affect credit extension or credit denial
Perform credit risk calculations and assessments on current and new customers and make credit level recommendations
Proactively monitor customer credit status using all available internal reporting and systems
Requirements
College degree in Accounting or Finance
Nice to have: Credit analysis experience in the transportation industry
Lead credit risk management and evaluation of SME loans within the portfolio, ensuring minimal high-risk accounts and providing training and coaching to the team.
Responsibilities
Approve loans as per lending authority granted and evaluate with good quality and recommend credit proposals for higher levels of approving authorities within specified time frame.
Manage resources to optimize turnaround time and quality of credit evaluation within key results areas.
Provide credit training and on the job coaching.
Manage clericals or executives designated under the same team.
Serve as an industry specialist and support special projects assigned by team leaders.
Requirements
Recognized University qualification preferably in Accounting/Finance/Economics
Responsible for preventing accounts from becoming delinquent by monitoring customer accounts and performing in‑house collection efforts.
Responsibilities
Initiate telephone and/or email contact with internal & external customers with amounts past due, determining reason and arranging for collection or adjustment to correct errors in accounts
Accept incoming phone calls to handle billing issues and/or process payments and issue credits
Make at least 30 to 40 calls a day to keep accounts on track and follow up with promise to pay calls
Follow up on calls and email, fax or mail copies of invoices as required
Make outgoing collection calls to customers at risk of service interruption due to non‑payment
Support a Mid Markets portfolio of clients and prospects within Devon and Cornwall, providing solutions to bespoke financial requirements including lending and deposits.
Locations (2)
Exeter, England, United Kingdom
Plymouth, England, United Kingdom
Compensation
Starting from £100,105
Responsibilities
Proactively originate new-to-bank opportunities, with a focus on debt transactions
Build and maintain deep relationships with key business introducers, including private equity, debt advisers, accountants, and lawyers
Understand client strategies and funding requirements to structure compelling, competitive debt solutions
Drive balance sheet growth through disciplined deployment of capital
Lead negotiations on pricing, terms, and structure to deliver strong client outcomes
Manage relationships with middle market SME banking clients, acquiring new liabilities accounts, monitoring performance, and ensuring regulatory compliance.
Responsibilities
Acquire new liabilities accounts and capture CASA
Monitor account performance and control overdue situations
Provide prompt and courteous responses to customer inquiries
Liaise with other departments to solve customer problems
Obtain up-to-date market information and help develop new products
Requirements
Preferably degree holder in Business Administration, Marketing or Economics
Manage relationships with middle market SME banking clients, acquiring new liabilities accounts, monitoring performance, and ensuring regulatory compliance.
Responsibilities
Acquire new liabilities accounts and capture CASA
Monitor account performance and control overdue situations
Provide prompt and courteous responses to customer inquiries
Liaise with other departments to solve customer problems
Obtain up-to-date market information and help develop new products
Requirements
Preferably degree holder in Business Administration, Marketing or Economics
Relationship Manager for SME within the Institutional Banking Group, focusing on account plan execution, credit evaluation, and revenue generation through banking products.
Responsibilities
Formulate, complete and execute account plans for identified clients in the assigned portfolio with the senior bankers to increase share of wallet size.
Corp. wealth and T&M revenue, more diverse products knowledge and revenue generation abilities aside from Corp. loan.
Develop Institutional Banking Group 4 activities which include exploring new products/clients in line with the Bank's objectives
Evaluate the credit-worthiness of customers and recommends appropriate proposal taking into account the Bank's objectives, customer's requirement and overall market conditions and industry trends
Ensure timely submission of RFP (Request for proposal), pitches, meeting deal execution timelines, preparation for credit memos and supervision reports
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