Credit Analyst

Found in: Talent IE C2 - 3 weeks ago

Dublin, Ireland GRENKE UK Full time

Job Specification - Credit Analyst

 

Company: Grenke Finance Plc / Grenke AG

 

Organisation: 21 members of Credit Centre (further growth is expected)

 

Reports to : Head of Irish Credit Center

 

  1. Responsibilities

 

  • Collect, organize and analyze information of the potential customer in order to assess its creditworthiness and decide on the credit limit for the new customer based on the company’s lending policies.
  • Evaluate credit risk of existing or new customers and underwriting of leasing applications received from them. The leasing applications assessed by Credit center based in Ireland come from different subsidiaries of the Group based all over the world.
  • Analysis and decision making on factoring/invoice financing applications received from existing and new customers of GRENKE Group.
  • Monitor and perform annual reviews of existing customers as required by the Central Bank.
  • Deliver a complete and coherent counterparty, transaction and credit-risk analysis.
  • Produce an objective credit proposal, compliant with Group and Central Bank guidelines.
  • Derive intelligence to identify potential business and cross-selling opportunities.
  • Preparation of comprehensive credit papers to be presented to the Executive Board for the final decision-making.
  • Cross-departmental collaboration across the Group in order to coordinate client strategy, exposure and risk monitoring, ensure the quality of risk data.
  • Provide training to sales departments in assigned countries.
  • Occasionally visit customers on their business premises if such action is required to make final credit decision.
  • Participation and management of various internal projects.

 

  1. Credit Limit Authority

 

  • € 200k single authority after probation period
  • € 400k single authority after another 6-12 months, depending on performance
  • € 750k together with another member of Credit Centre (when having € 400k single credit authority)

 

  1. Requirements:

 

  • Four year degree in accounting, finance, economics or other related fields
  • Additional professional credit related qualifications & diplomas required but not essential
  • Two to Five years of strong quantitative experience & credit risk experience
  • Strong proficiency in MS Office and general computer use
  • Ability to effectively manage competing deadlines for projects in a high-pressure work environment, with varying degrees of supervision
  • Impeccable understanding of financial statements, ratios, and concepts
  • Language skills:
    • Business fluent English mandatory
    • Knowledge of additional language is preferable, such as German, French or etc.
  • Ability to work in a decentral organized team

 

  1. Required personal skills

 

  • Due diligence, the candidate must demonstrate considerable attention to details, as incorrect analysis can have a negative impact on organization and customer.
  • Knowledge of industries, Credit analysts will be assessing financial health of the companies operating in various industries, such as healthcare, technology, real estate, etc.  Understanding how the different industries operate will allow for easier analysis of credit risk.
  • Ability to Multitask, a credit analyst will be required to work with different clients at the same time, and the ability to multitask will come in handy when deciding the projects to prioritize. The successful candidate must be able to handle demands as they come and juggle tasks according to their urgency and client expectations.
  • Well-versed with finance software, Credit analyst must be comfortable with common financial software, such as Microsoft Excel, which will be used on a daily basis. Knowledge of some basic functions, such as sorting, common arithmetic functions, graphs, charts, and financial modeling is necessary.
  • Team Player, credit analyst must be open-minded, sharing and encouraging towards other team members of the Credit Center. Credit analyst must care more about helping a group or team to succeed.
  • I can do Attitude; credit analyst must be confident and willing to deal with problems or new tasks, rather than complaining or giving up. 

 

 

 

 

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