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Credit Risk Officer

Employer
Westcoast Limited
Location
Reading, UK
Salary
Competitive
Closing date
Mar 25, 2019

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Job Role
Risk Manager
Sector
Finance
Contract Type
Permanent
Hours
Full Time
ROLE PROFILE Credit Risk Officer Department: Group Credit Risk Reports to: Group Credit Risk Manager

Location:
Theale Hours of Work: Monday - Friday, 9.00am - 5.30pm Contract type: Permanent About Us Established in 1984, Westcoast Ltd is a privately held company that distributes leading IT brands such as HP, HPE, Microsoft, Lenovo, Apple and many others to a broad range of resellers, retailers and office product dealers in the UK and beyond. Since then we've grown to become the number one UK distributor for many of our vendors and customers and the group employs more than 1,300 people across a number of locations in the UK, Ireland and Europe. Thanks to the hard work and dedication of everybody at Westcoast the company is flourishing. Our revenues have seen a sharp increase in recent years reaching £2 billion in 2017. We are consistently ranked in the Sunday Times Top Track of the 100 Largest Privately-owned UK Companies, and are now the largest privately-held business in the Thames Valley region as well as the Thames Valley Chamber of Commerce Business of the Year 2018. The Job Role We are looking for a Credit Risk Officer to work within our existing team. The team is responsible for the risk management of cash and credit transactions made, and credit limits issued, through the business. Although previous underwriting experience along with understanding and interpreting a profit & loss and balance sheet is preferable, experience in a similar role will also be considered. Key Responsibilities Reviewing cash with order and credit applications covering off all elements of potential fraud, analysing the provided information and identifying any exceptions to assist with fraud prevention. Agreeing credit limits within their agreed sign off authority. The individual will be required to justify and discuss their recommendations with their manager and colleagues. Communicating at senior levels to our customers to understand their businesses and their requirements. Communicating any decisions to relevant internal departments. Recording all information on a variety of systems and ensuring relevant follow up dates are set. Managing many existing accounts, performing regular internal reviews ensuring all customers' accounts remain in line with agreed terms, regularly requesting up to date financial information to conduct full reviews. Being confident in recommending relevant changes to limits. Maintaining a strong relationship with our credit reference agency and insurance providers. Assisting with preparation of any legal action or claims. Assisting with reporting and general administration. Key Skills Must be computer literate with experience using MS - excel, outlook etc. Must be able to work well under pressure. Must be able to work well within a small team, sharing workload and able to continue with work of others in the team if necessary. Must be a flexible individual with the ability to adapt easily to change. Must be an excellent communicator, internally and externally at all levels. Must be a well organised individual capable of managing their time and prioritising their busy workload. Excellent attention to detail is an imperative requirement for this role. What we offer
• Full training and on-going Learning and Development support, with excellent career progression
• Learning and Development opportunities with funded NVQ/work-based studies/professional qualifications
• Employee referral bonus
• Auto enrolment pension
• Perkbox - instant access to a wide range of high street, leisure and utility discounts and perks
• Staff purchases - discounted IT, electronics, mobiles and accessories
• Mobile contracts
• Eye care scheme
• Cycle to work scheme NO AGENCIES PLEASE

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