Senior Credit Analyst

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Senior Credit Analyst

We are currently seeking a highly skilled and experienced Senior Credit Analyst to join our dynamic team at DLL. As a Senior Credit Analyst, you will play a pivotal role in assessing and evaluating creditworthiness, conducting financial analysis, and providing recommendations for large ticket, structured transactions, and dealer stocking line requests. You will collaborate closely with internal stakeholders, analyse complex financial data, and contribute to the overall risk management strategy of the organization. If you possess a strong background in credit analysis, a deep understanding of the asset finance market, and thrive in a fast-paced and challenging environment, we invite you to apply and be part of our team!

As a Senior Credit Analyst,you will deliver timely commercially balanced credit recommendations within stated credit parameters to colleagues / credit committee. You will focus on large ticket structured transactions which will typically be between £1m and £30m.

Find out more here about how you can unleash your full potential at DLL

Day to day:

The role will be responsible for analysing the level of risk associated with credit requests from clients/suppliers and contributing to their subsequent approval, to support the company in achieving the expected Risk Loss Targets.

The activities you will be involved in relate to credit and risk management, particularly in highly complex trading structures (customized payment conditions, agreements, proposals).

Specifically, you will be responsible for:

• Independent management and processing of credit applications, including balance sheet analysis, generating and evaluating financial ratios, using internal tools to evaluate a customer's financial status, while adhering to internal and external regulations.
• Prepare Credit Application Report (CAR), make decisions regarding credit applications of local end customers, vendors, or resellers within own credit authority, as well as preparation and recommendation of credit requests for higher-level decision-making, including committee level.
• Gather information about customers/suppliers, using internal systems and processes, verifying their completeness and currency.
• Monitor, coordinate and advise on credit and risk profiles, corporate and external policies, regulations and sales mandates, in collaboration with the various departments involved.
• Prepare structured financial analysis via ratio and peer group comparison, understanding the risks surrounding types of assets funded and the ability to realise assets.
• Contribute to the development of local policies and regulations on credit and risk management.
• Provide information, support, training and align front and back office colleagues on credit and risk management.
• Find workable solutions to closing new business opportunities.
• Work closely with colleagues across the business - Sales, Collections, Asset Management, Legal and Operations.
• Identify ways in which credit processes can be improved to deliver efficiencies and implement changes.
• Assist sales and deal negotiations by undertaking site visits to vendors and customers.
• Maintain an interest in the wider economic environment and changes in market/asset sectors in the UK & Europe.
• Have a good understanding of compliance requirements in the UK.

All UK members enjoy

• 25 days paid annual leave (plus public holidays) based on a 35 hour working week.
• Short Term Incentive Plan based on DLL results and personal performance.
• Non-contributory pension scheme.
• Private Healthcare Scheme
• Two working days per year volunteering for a local charity
• Flexible hybrid working
• Career development opportunities: online learning, member development programs
• At DLL we stimulate your health and wellness e.g. fun, health & vitality activities organised by our True Energy team.
• Click this link for an overview of all the benefits in your region.

Essentials:

• Have a minimum of 5 years of experience of underwriting / analysing transaction in a wide range of sectors within either a banking or asset finance business.
• Be proactive and well-prepared in risk and credit matters.
• Possess knowledge of the key systems and processes related to risk and credit management.
• Have excellent communication skills.
• Have experience in analysing and executing large value structured transactions between £1m and £30m.
• Have experience of working closely with Relationship/Account Managers in Sales teams and helping them to structure large deals, identifying key risks within a deal and structure accordingly to mitigate these risks.
• Have experienced in funding both hard and soft assets

Choose wellbeing

DLL's wellbeing ambition is to educate, equip and empower members to build connections, manage their mental, emotional, physical and financial wellness and maintain balance between work and the other priorities that make up their lives.

Our four wellbeing categories are as follows:

• Connection - Build meaningful connections with other DLL members
• Health - Manage mental, emotional and physical health
• Finance - Provide learning opportunities to help members achieve personal financial health
• Lifestyle - Maintain balance between work and life priorities

These are the things that matter to our members and the wellbeing of our members matters to DLL

Settling in

At DLL, we are many things. We are team members, family members, community member. We are members of society, members of different cultures and nationalities. Members of change. We each have different beliefs, different passions, different viewpoints, talents and interests. We come from different backgrounds, cultures, nationalities and histories.

But for all of our differences, we share one thing in common: each of us are members of DLL.

Our company was founded in the Netherlands. But today we are truly a multinational business. Our unique culture is rooted in higher collaboration, less hierarchy and a honest directness that enable us to integrate, ideate and innovate across country lines.

Many companies say they are European, American, Asian or Australian, at DLL we are all these places and more.

We are a cross-culture collaborative - an interconnected network - that comes together every single day with one goal in mind: Partnering for a better world

Good to know:

• Deadline for application: February 16th (Due to high volume of applications this requisition may close prior to posted close date)
• The selection process may involve an assessment.
• Applications via email will not be reviewed. Please apply online via our career website.
• DLL's referral program applies
• For more information, you can contact Natalie Gray, Talent acquisition partner via ukrecruitment@dllgroup.com

DLL appreciates the time you spend applying to our openings. We advise only those who qualify for an interview will be contacted. Hiring subject to successful completion of a background check.

DLL is an equal opportunity employer. We are committed to inclusive, barrier-free recruitment and selection processes and work environments. If contacted for an employment opportunity, please advise Human Resources if you require accommodation in accordance with our values and all applicable legislation.