Job Title:	Credit Risk Analyst / Manager (Contract)
Reference:	sc1
Salary:	£200 - £400 per day, depending on experience
Location(s):	Surrey
Industry(s):	Financial Services
Advertiser:	Santander Consumer (UK) plc
Employment Type:	Contract
Posted:	01-03-2010

Description:

The Santander Group is one of the world’s largest and most stable banking groups. The Santander group and brand have come to prominence in the UK over recent years after significant growth following the acquisitions of the Abbey National, Alliance & Leicester and Bradford & Bingley.

Consumer Finance accounts for approximately 10% toward group turnover in the world today.

The Role

Undertake the financial analysis and review of the Company’s extensive motor dealer data base preparing credit papers for approval within the department or for local / Head Office Credit Committees, making recommendations as appropriate.

Working within a credit team, undertaking individual credit and risk assignments as directed e.g. dealing with all aspects of credit underwriting, reviewing behavioural patterns, liaison with external customers and suppliers obtaining relevant and up to date information for analytical purposes.

• Undertaking risk rating analysis by using the group’s risk scoring model
• Analysis of customer financials including P&L, Balance Sheet & Cashflows in order to measure and determine ongoing financial viability
• Analysis and review of non financial information relating to the behaviour of the customer and by determining any emerging patterns giving rise for concern
• Reviewing existing and new security requirements in support to lending proposals / reviews
• Formalising credit recommendations to relevant authority levels from local level to Executive Credit Committee held in Madrid
• Following through on credit sanctions ensuring conditions of sanction have been fulfilled prior to release of facilities

About You

• Ideally, the successful applicant will either have direct lending experience within the Motor Finance sector or, transferable skills from the wider financial services sector
• Able to work both independently and as part of a team
• Strong numerical and analytical skills with an understanding of the key financial ratios
• Personable and a good communicator
• Some experience of dealing with external lawyers in regard to the taking of tangible security would be an advantage.