CREDIT ANALYST/ MANCHESTER-UK / 12 MONTHS FIXED TERM CONTRACT / HYRBID MIN 1 DAY PER MONTH IN THE OFFICE / £22000-£27500 PLUS BENEFITS
About The Team / Role
WEX Europe is a leading provider of Fuel cards. We manage a range of flexible fuel cards in several key markets across the continent and due to ongoing growth; we are looking for a Credit Analyst to join our Credit team.
The Credit Risk Team are responsible for; monitoring Customers spend against their authorized Credit limits, understanding changes in volumes, customers’ needs and reassessing for increases to Credit limits. Underwriting all applications across eight issuing countries in Europe, assessing and measuring the risk of extending Credit to all applicants. Proactive Portfolio Management ensuring continuous monitoring of the financial condition and performance of our Customers.
Our portfolio covers a wide range of business types and sizes from small enterprises to large corporate businesses and institutions.
What’s on offer?
Highly competitive salary between £22000 and £27500 (dependant on experience)
Annual company bonus
37.5 hour week- Monday to Friday, no evenings or weekends
Hybrid working from our Manchester City Centre office (1 – 2days per week)
12 months fixed term contract
Industry leading pension
25 days holidays plus bank holidays – with the opportunity to purchase additional holidays
Life assurance
Income protection
Discount & perks platform
Employee wellbeing
How You’ll Make An Impact
To assess and measure the risk of extending Credit to all applicants
Assess and evaluate the financial position and credit worthiness of all applications
Interpret / translate financial statements including balance sheets, P&L statements and management accounts
Strive to accept all business, through accepting and controlling the higher risk customers – by means of reduced terms, securities etc.
Minimize the risk to the business with a strong focus on fraud screening
Proactive monitoring through control reports
Working with multiple European portfolios
Assess, manage and report exposure position to determine the level of risk
Overtrade management where the customer exposures can rapidly change
Assessing customer accounts using information gathered, and making an informed decision within credit parameters with commercially balanced recommendations
Analysis of customers financial statements and B2B Credit reports
Maximizing volume opportunity and growth in line with Business goals
Customer contact and daily interaction with the In-Country credit teams and Sales teams
Building and maintaining strong relationships with all Credit teams, Sales teams and Customer Service Advisors
As part of team, provide support/cover for other roles within the Credit department when required
Experience You’ll Bring
Proven analytical skills with the ability to assess financial information
Previous experience in Credit Underwriting / analyst or a similar role
Experience of dealing with the main credit reference agencies
Strong administrative skills – capturing and recording data, data reconciliation
Advanced Excel Skills
Preferred Experience for Consideration
Knowledge of underwriting in European Countries
Underwriting experience in a B2B environment
Exposure to, or previous experience of Fuel Card Market
Dutch / Flemish / French language skills would be advantageous but not essential
Skills and Attributes of value for the role
Strong communication and people skills
Strong decision-making skills
Attention to deal
Ability to interface with all levels of management and staff
Ability to prioritise and manage own workload
Extensive, professional communication skills, both written and verbal
What’s next?
If you believe you have the passion to join our team as Credit Analyst then please APPLY TODAY for immediate consideration
Due to the volume of applications received, unfortunately it is not possible to respond to each one individually, applicants that are shortlisted will be contacted within one week of application
We do not accept speculative CVs. Any CV received by WEX will be treated as a gift and eligible for an agency fee. PSL agencies should only send CVs if authorised to do so by the Talent Acquisition team.
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