Credit Analyst

CREDIT ANALYST / MANCHESTER / HYBRID / £23,000-£27,500 PLUS BENEFITS

WEX Europe is a leading provider of Fuel cards. We manage a range of flexible fuel cards in several kay markets across Europe and due to ongoing growth, we are looking to recruit a Credit Analyst to join our Credit team.

The Credit Risk team are responsible for monitoring customers spend against their authorised Credit limits. Underwriting all applications across eight issuing countries in Europe, assessing and measuring the risk of extending Credit to all applicants. Proactive Portfolio Management ensuring continuous monitoring of the financial condition and performance of our customers.

Our portfolio covers a wide range of business types and sizes from small enterprises to large corporate businesses and institutions.

Whats on offer?

• Highly competitive salary of £23,000-£27,500 (Dependent on experience)
• Annual company bonus
• 37.5 hour eek- Monday to Friday- no evenings or weekends
• Hybrid working from our Manchester City Centre office
• Industry leading pension scheme
• 25 days holiday plus bank holidays- with the opportunity to purchase additional holidays
• Life assurance
• Income protection
• Discount & perks platform
• Employee wellbeing

Key Responsibilities of the Credit Analyst:

• To assess and measure the risk of extending credit to all applicants
• Assess and evaluate the financial position and credit worthiness of all applications
• Interpret / translate financial statements including balance sheets, P&L Statements and management accounts
• Strive to accept all business, through accepting and controlling the higher risk customers- by means of reduced terms, securities etc.
• Minimize the risk to the business with a strong focus on fraud screening
• Working with multiple European portfolios
• Assess, ambage and report exposure position to determine the level of risk
• Overtrade management where the customer exposures can rapidly change
• Assessing customers accounts using information gathered, and making an informed decision within credit parameters with commercially balanced recommendations
• Analysis of customers financial statements and B2B Credit Reports
• Maximizing volume opportunity and growth in line with Business goals
• Customer contact and daily interaction with the in-country credit and sales teams
• Building and maintaining strong relationships with all Credit Teams, Sales Teams and Customer Service Advisors

Experience youll bring:

• Proven analytical skills with the ability to assess financial information
• Previous experience in Credit underwriting / analyst or a similar role
• Experience of dealing with the main credit reference agencies
• Strong administrative skills - capturing and recording data, data reconciliation
• Advanced excel skills
• Knowledge of underwriting in European Countries
• European language skills would be advantageous but not essential
• Strong decision-making skills
• High attention to detail
• Ability to interface with all levels of management and staff

Whats next?

If you have the skills and passion to be our next Credit Analyst, we would love to hear from you. APPLY NOW for immediate consideration.