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o Accountable for the assessment of new customers and the continuing review of the existing customer base - providing a reliable, well-constructed credit opinion and/or rating, which can easily be utilised in onward submissions and presentations to the Credit Manager / Board Members for approvals.
o Shaping the development of assessment processes to fit the balance between appropriate diligence, our risk appetite and cost environment.
o Being responsible for providing daily operational support to the business in relation to blocked orders and queries from the Commercial team as they arise.
o Regular reporting on the credit metrics and dynamics of the portfolio, highlighting concentrations and / or (potential) movements within said portfolios.
o Lead and maintain good dialogue with the respective sales and business teams to ensure that limits are fit for purpose and that non-financial aspects of your opinions have solid grounding in their business environment.
o Where necessary engage certain customers (with or through the Commercial team) to ensure that appropriate considerations are made of items which may not be disclosed in financial statements.
o Represent the business on selected Control function initiatives and teams.
o Maintain core data points in systems to ensure appropriate controls are in place and that information meets the needs for internal and external reporting.
o Provide coaching in Credit Analysis to members of the Commercial and Finance teams to ensure capabilities are maintained and process improvements are continually achieved. o Work with other functions to provide information, share knowledge and understanding of data as and when required
