Credit Analyst

Job Description

As a Credit Analyst, you will be responsible for managing the entirety of the credit and collection processes within our organisation. Leveraging your expertise, you will work closely with the finance team to ensure timely and accurate processing of payments and collections.

Responsibilities

• Evaluate customer creditworthiness and identify trends in credit risk.
• Develop and implement credit policies to mitigate risk.
• Work closely with the finance team to improve cash flow and reduce outstanding debts.
• Provide insights and recommendations based on credit analysis.
• Assist in the development of financial models for future projections.
• Ensure compliance with current credit regulations.
• Participate in cross-departmental meetings to relay credit updates.
• Foster strong relationships with clients to facilitate timely payments.
• Conduct training sessions for junior staff members on credit policies.
• Present findings to upper management regarding credit risk assessments.

Requirements

Education

• Bachelor's degree in Finance or Accounting
• Professional accreditation in Credit Management is advantageous

Experience

• 2-3 years of experience in credit management or financial analysis

Technical Skills

• Microsoft Office
• Accounting Software (e.g. QuickBooks, Sage)

Soft Skills

• Analytical Thinking
• Communication Skills
• Negotiation Skills

Certifications

• Credit Business Associate (CBA)
• Credit Business Fellow (CBF)

Languages

• English: Fluent

Advantageous

• Understanding of consumer lending regulations: Familiarity with laws governing credit and lending in the UK.
• Experience with international credit management: Knowledgeable in managing credit processes across borders.

Benefits

• Competitive salary package ranging from £25,000 to £35,000 per year.
• Comprehensive health, dental, and vision insurance.
• Flexible working hours and options for remote work.
• Professional development opportunities.

Company Culture

• Collaboration: We value teamwork and encourage open communication within our diverse workforce.
• Integrity: Our commitment to ethical practices drives our business decisions and relationships.
• Continuous Improvement: We encourage our employees to seek professional development and pursue innovation in their roles.