29OCT2019 - JOB - Senior Credit Analyst - Insight - London, United Kingdom

A leading London based bunker and lubricant supplier are looking to hire a suitable candidate in the position of 'Senior Credit Analyst'

Salary; Upto £60,000 + Bens + Bonus

Reports to; Regional Credit Manager – Europe

Key Responsibilities:

Through continual collaboration with the trading teams, provide credit risk rating recommendations to Senior Management based on in-depth research and analytical work.

Action daily credit requests, coming in from the traders and business development, for counterparties in assigned region; help maintain the company’s credit exposure within the framework of the company’s risk appetite and limits.

Write Credit Reports for the business, using all relevant research, investigation methods, and available data, to provide justification/explanation for credit recommendations and decisions.

Ongoing liaison with traders and managers to promote and encourage credit awareness in dealing with customers and suppliers; monitor and enforce the company’s credit risk policies with the high-level objective of achieving ‘zero bad debt’.

Identify and monitor outstanding debts and follow up with traders to ensure overdue payments are settled; identify bad debt and work in collaboration with the Legal team to recover payment.

Support Business Development activities by identifying new business opportunities through extensive market research.

Work in close co-operation with the Finance team to optimise margins on deals.

Proactively monitor and report on market and other developments impacting counterparties in the assigned region; keep the internal CRM/trading platform up to date with relevant market intelligence

Liaise with traders, shipping intelligence agencies, insurance companies, shipping companies, and any other relevant counterparties to build up a network of contacts within the market.

Special Working Conditions:

Some regional and international travel required.

Expectation to work outside of standard business hours (9am-6pm) – evening and weekend availability required.

Qualifications:

An academic qualification at graduate level (Bachelor’s degree or equivalent) – finance, business, economics, maritime studies or another relevant discipline is preferable, but all disciplines will be considered.

Knowledge & Experience:

A minimum of 5 years relevant working experience within a credit risk analyst role.

Understanding of or exposure to credit risk within the shipping/maritime/bunkering industry would be a distinct advantage.

Exposure to credit risk management in various regions including Europe.

An established network of relevant contacts in the European market.

Proven experience implementing credit solutions, researching and gathering data from various sources, and drafting credit and market reports.

Skills & Abilities:

Hard-working, goal-oriented and with a high level of energy and enthusiasm, able to operate efficiently, effectively and professionally within a fast paced, dynamic and results driven business environment.

An analytical mind-set, solid numerical skills and a high level of attention to detail; able to analyse and interpret complex information, process data and provide credible recommendations based on sound judgement and with a focus on quality.
Excellent verbal and written communication skills, able to present information in a concise, logical manner, and with authority to a variety of audiences.

Strong interpersonal skills and the ability to build, expand and maintain collaborative relationships with internal and external stakeholders at all levels of the business.

Robust decision-making skills, able to make accurate, informed decisions and recommendations quickly, and remain resilient when under pressure.

Persuasive and influential by nature; able to negotiate, present convincing arguments, and influence the decision of others to accept a specific opinion.

A flexible and adaptable attitude, with the ability to multi-task and respond quickly to changing priorities; effective time management and organisational skills, able to prioritise work effectively and meet deadlines.

High level of commercial acumen, understands the wider business context; able to demonstrate a high level of cultural awareness and sensitivity and the ability to engage with a culturally diverse population remotely and across geographical boundaries.

Able to work co-operatively and productively with others; actively contributes to successful team performance and the achievement of shared goals.

Ambitious, self-motivated and demonstrating a willingness to continually develop own knowledge and skills and participate in development opportunities above and beyond required trainings.

Fluency in written and spoken English essential. Other European language skills would be an advantage

High level of computer literacy including proficiency of MS Office package and able to work with CRM systems.