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New Leaf Search Job Reference:: CCV/J2359
Job Title:: J2359 - Credit Manager - UK, SW London - Asset Finance
Location:: London
Salary:: 45,000 - 50,000 plus excellent bonus and benefits

J2359 - Our client is seeking a Credit Manager to expertly evaluate and underwrite flow and / or mid-ticket finance deals across all business channels. You will be responsible for maintaining and promoting good governance, credit processes and agreed service levels for all business origination, approvals, collateral, and restructuring. Salary: £45,000 - £50,000 plus excellent bonus and benefits. Location: UK, SW London.


Analyse credit data and financial statements to determine the degree of risk involved in extending credit in all business channels for mid-ticket or flow transactions.
Interpret and evaluate internal and external credit reference agency, broker and market reports to determine the degree of risk involved in extending credit.
Confer, consult and undertake due diligence meetings with both internal and external credit associations and other business / customer representatives to clarify credit / collections information as and where necessary.
Generate and evaluate financial ratios, using internal credit tools, to evaluate customers' financial status.
Interpret and evaluate collateral curve analysis, in line with market, sector, and portfolio considerations to determine the degree of risk involved in extending credit.
Prepare domestic and external risk reports that include the degree of risk involved in extending credit for all mid-ticket business channel transactions with clear, concise and rational recommendations for the credit decision.
Exercise a personal sanctioning authority with diligence and care and preparing recommendations for those transactions outside of the personal sanctioning authority.
Maintain compliance with all leading industry guidelines and statutory regulations including consumer credit, treating customers fairly, anti-money laundering and data protection.
Review existing transactions periodically to include the evaluation of payment history, purchase activity, collateral curve analysis, market / broker intelligence and prepare recommendations for the renewal of internal credit ratings / facilities.
Ensure that all transactions presented to risk for pay-out meet the appropriate credit sanction and credit limit issued and that all documentation in respect of specific risk caveats has been provided and properly executed.
Provide guidance and instructions to front office for efficient and productive risk identification, analysis, assessment and presentation.
Participate in ongoing personal development to deliver on business / personal objectives.


Minimum of 3-5 years of credit experience, ideally with time spent analysing and interpreting financial statements/data from a variety of industries and commercial backgrounds.
Possessed of excellent analytical skills tempered with a sense of commerciality and business focus.
Possessed of a good knowledge of the asset finance industry and the various product offerings and types of funding facilities available.
Ability to competently and confidently analyse unsecured & secured transactions in the small (and or) mid-ticket sector.
Ability to communicate clearly, concisely and efficiently both verbally and in writing to peers and senior management alike.
Good experience in Risk assessment of structured lending/cash flow lending based transactions.
Good Microsoft Word and Excel skills.
Act with integrity at all times and embrace the philosophy of treating customers fairly.
Embrace the values of the group leadership model.

We strongly favour applicants with proven relevant experience in Financial Services; particularly in Asset Finance and Leasing.

Contact:: Jane Theobald
Phone:: +44 (0) 203 740 7222