Credit Analyst
- Employer
- Reed
- Location
- Manchester, UK
- Salary
- Competitive
- Closing date
- Nov 21, 2019
View more
- Job Role
- Credit Control
- Sector
- Finance
- Contract Type
- Permanent
- Hours
- Full Time
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Credit Analyst - Manchester City Centre Are you looking for a new exciting, challenging and interesting role in a global company? Benefits: Salary circa £35k (plus bonus) 9% non-contributory pension (after first 6 months) Private health care / Cash plan / Life assurance My Client, a multi-national credit insurance and risk management company is looking for an experienced finance professional with excellent analytical skills to join their small friendly team in Manchester City Centre. The successful candidate will provide, update and assess information for underwriters regarding debtor risks. They will play a key role in sourcing, maintaining, verifying, assessing and analysing information on UK and Irish debtor companies in order to help quantify and manage my clients underwriting risk as well as generating analyses and reports relating to credit scores, company data and other information to support effective decision-making by senior management and other departments. Specialist Skills & Knowledge:
• The candidate needs to be fully conversant with reading and understanding company accounts, (audited, management and draft accounts), relating to both limited and public companies, including balance sheets and profit and loss statements, and understand or calculate key accounting ratios. Have an understanding of company law, accounting principles and Legal group structures. Basic knowledge of prevailing macroeconomic and industry-sector drivers and trends as a backdrop against which to evaluate a business's credit worthiness. The candidate should be confident communicating over the telephone and ideally have some experience of questioning companies about their financial position, refinancing, future goals and general forecasts. The ability to interpret previous years' company accounts to form a judgment as to the business' current health and its future expectations is key. Rudimentary knowledge of company law and standard accounting practices. Understanding of company structures within the UK and Ireland: i.e. Legal group structures, IP's, Co-operatives. Maintain awareness of prevailing macroeconomic and industry-sector drivers and trends - at a UK, Ireland, European and global level - as a backdrop against which to evaluate a business's credit worthiness. Ability to recognise signs of possible corporate crime, in particular: money laundering, embezzlement, fraud. The Analyst will be expected to make objective, informed judgments or recommendations rapidly and accurately and communicate them within the group set response times. The candidate needs to possess an enquiring and critical mind, challenging existing information and current credit score, where necessary, using financial, sector and business knowledge. Systems Knowledge:
• Microsoft Office suite (Excel, Word, PowerPoint, Outlook) Demonstrable proficiency in the use of EXCEL and a broad range of built-in EXCEL functions to build spreadsheet models and analytics is essential. Familiarity with on-line databases and information systems to access company data or credit information would be an advantage. Qualifications: Further education in economics, business or finance. Good level of English, both written and spoken Desirable: additional languages. GCSE Maths and English equivalent to grade B or above. Experience within a financial services environment or within the credit insurance field would be beneficial.
• The candidate needs to be fully conversant with reading and understanding company accounts, (audited, management and draft accounts), relating to both limited and public companies, including balance sheets and profit and loss statements, and understand or calculate key accounting ratios. Have an understanding of company law, accounting principles and Legal group structures. Basic knowledge of prevailing macroeconomic and industry-sector drivers and trends as a backdrop against which to evaluate a business's credit worthiness. The candidate should be confident communicating over the telephone and ideally have some experience of questioning companies about their financial position, refinancing, future goals and general forecasts. The ability to interpret previous years' company accounts to form a judgment as to the business' current health and its future expectations is key. Rudimentary knowledge of company law and standard accounting practices. Understanding of company structures within the UK and Ireland: i.e. Legal group structures, IP's, Co-operatives. Maintain awareness of prevailing macroeconomic and industry-sector drivers and trends - at a UK, Ireland, European and global level - as a backdrop against which to evaluate a business's credit worthiness. Ability to recognise signs of possible corporate crime, in particular: money laundering, embezzlement, fraud. The Analyst will be expected to make objective, informed judgments or recommendations rapidly and accurately and communicate them within the group set response times. The candidate needs to possess an enquiring and critical mind, challenging existing information and current credit score, where necessary, using financial, sector and business knowledge. Systems Knowledge:
• Microsoft Office suite (Excel, Word, PowerPoint, Outlook) Demonstrable proficiency in the use of EXCEL and a broad range of built-in EXCEL functions to build spreadsheet models and analytics is essential. Familiarity with on-line databases and information systems to access company data or credit information would be an advantage. Qualifications: Further education in economics, business or finance. Good level of English, both written and spoken Desirable: additional languages. GCSE Maths and English equivalent to grade B or above. Experience within a financial services environment or within the credit insurance field would be beneficial.
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