Job Description

• Assess and approve/decline the majority of requests within a personal credit discretion, using available client and industry information
• Constructively engage with front line teams to obtain additional information when deemed appropriate
• Prepare credit proposals for more challenging cases and those outside personal credit discretion
• Prepare clear and concise applications highlighting all significant issues, engaging with customers to obtain additional information where necessary
• Make sound decisions based on this information or present written recommendations to the relevant approving authorities, including Group Credit Committee
• Give timely, constructive feedback to Dealers and Sales staff regarding new and increased credit prospects
• Carry out periodic credit reviews of individual customers using financial and non-financial sources including occasional customer site visits
• Carry out ad hoc credit research into industries and individual customers
• Ensure all customer and internal correspondence is of the highest quality
• Ensure all files, paperwork and systems are maintained in line with moneycorp standards
• Ensure moneycorp procedures and policies are followed at all times, including Know Your Customer procedures
• Develop and maintain strong and effective working relationships with colleagues across the business
• Support other Credit team members in carrying out their duties and developing their credit skills

Required Knowledge, Skills, and Abilities

Prior experience at senior analyst level within a credit department essential and likely to include some or all of the following:

• SME corporates
• A wide range of customer industry sectors including wholesale/distribution, tourism, IT infrastructure and services, food supply chain, clothing, commodities
• Private equity backed transactions
• Complex group structures
• Funds and fund managers
• An appreciation of the different characteristics of the overseas markets in which moneycorp has a presence would be a distinct advantage
• Experience in a demanding dealing room environment is preferable
• Basic knowledge of foreign exchange markets and FX and structured option products including risk and suitability factors
• Relationship building with people at all levels of seniority
• The ability to work unsupervised under pressure in a fast paced environment and to tight deadlines
• Good organizational skills including prioritization
• Clear communicator, written and verbal
• Proficient IT skills
• Commercial acumen and proven sound judgment including use of subjective factors
• Attention to detail
• Finance based degree or similar is desirable
• Professional
• Approachable and personable
• Personal drive
• Team player