A fantastic opportunity has arisen within a £multimillion turnover leader in their field for an experienced Credit Risk Manager to join their offices near Warrington. Managing a small team, responsibilities will include: - Progress expand company credit strategy and risk profiles - Assessment of all accounts for credit facilities & agreement of limit based on Credit Search and external information - Ensuring agreement of new limits uploaded via the Credit Reference Agency, including re-assessment of overridden credit limits in line with credit policy - Liaising with Credit Management to ensure high risk and strict watch accounts trade to agreed maximum credit limits - Active monitoring and re-assessment of account limits & liaising with Credit Control, Sales and Litigation teams to agree actions where limits are exceeded due to non-payment of debt - Monitoring customer credit worthiness against outstanding exposure and payment behaviour - Working closely with the Legal team, provide recommendations on litigation action & strategy to achieve the highest return and advise if debt is economical to pursue; utilising tracing skills to enforce - Monitoring and assessment of accounts through periodic assessment & portfolio analysis - Analysing financial data such as balance sheets, P&L, cash flows & forecast's, whilst training others to do so - Lead, motivate and develop team members through mentoring and coaching - Conducting effective employee 1-2-1's on a regular basis - Managing employee relations and disciplinary issues Essential - Self -motivated and conscientious. - Excellent Communicator - Excellent time Management skills - Excellent organisational and communication skills - Customer Service excellence - Development of personal and professional qualifications as deemed necessary - Flexibility in all areas of the role - Excellent Negotiation Skills - Excellent Interpersonal skills - Capable of developing resilient client relationships - High level of integrity and trust - Ability to work effectively under pressure - Able to travel nationally Desirable - Committed and target / action focused - Excellent customer objection handling and telephone skills - Flexibility in all areas of the role - Highly Experienced in all areas of the Credit Lifecycle including Vetting, Monitoring, Collections, Legal, Risk & Fraud This is an outstanding opportunity to join a market leading business, working in a friendly and supportive environment and with excellent prospects for the successful applicant. This exciting opportunity is complimented with a competitive salary and excellent benefits. Howarth Morris is a leading Financial, Human Resources and Business Support Recruitment Consultancy. Our Financial Selection division is dedicated to the career management of Part Qualified and Qualified Professionals across ACA, ACCA, CIMA, AAT, ICM, CIPP and CIPD and we are committed to providing our clients with the best candidates for their business and our candidates with the best opportunities for their career. Visit our website for more information on our unique profile and market leading service and call or email today to hear more about this and other exciting opportunities in the region.