CREDIT ANALYST

Job ad valid till: 2017.10.29

Work place

Job Description:

Credit Analyst will be responsible for the processing and analysing credit applications for leases and loans for the acquisition of commercial transportation and construction equipment, as submitted by customers, dealers and sales team.

Main activities and core responsibilities:
  • Analysing credit applications and verifying credit data consistency.
  • Collating additional relevant information prior to underwriting.
  • Interacting extensively with sales team to negotiate lease and loan structuring and collateral analysis requirements for transactions to ensure sound underwriting and risk practices.
  • Preparing retail credit applications in accordance with Credit Policy and Procedures.
  • Making recommendations and taking decisions within approved credit policy and procedures.
  • Attending credit committee meetings and follow-up with further information requirements.
  • Managing credit application flow ensuring accurate and timely processing of applications.
  • Ensuring accurate and complete documentation of credit files and recommending credit lines for current and prospective customers.
  • Identifying and implementing process improvements in the credit process.

Requirements to candidate:

Essential education and professional experience:
  • Degree in Finance, Accounting, Business Administration or closely related field.
  • Minimum three years of experience in lease or loan underwriting, preferred in commercial finance industry;
  • Credit analyst working experience;
  • Solid credit underwriting and analytical experience, including familiarity with credit bureau reports, commercial business reports, collateral valuation knowledge and other reference sources (insurance, finance, trade).
  • Proven ability to analyse financial statements and prepare summaries of key information. Experience interpreting key financial information and assessing potential impact on the obligor is necessary.

Competences and skills:
  • Good knowledge/ understanding of financial products, services and procedures.
  • Target oriented, prioritization skills and time management skills to meet strict deadlines.
  • Excellent analytical skills and strong attention to detail.
  • Good interpersonal and communication skills.
  • High level of PC skills (Microsoft Excel, PowerPoint).
  • Fluency in the local language.
  • Advanced level in reading, writing and speaking English and preferably Russian languages; additional languages a plus.

Travel requirements: occasionally.

Company offers:

  • Dynamic work in an international company;
  • Continual personal and professional development opportunities;
  • Work in a friendly team and colleagues’ support.

Confidentiality is guaranteed. Only selected candidates will be contacted.
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UAB Emplonet

Emplonet client - Volvo Financial Services is the global financial solutions provider of the Volvo Group, supporting the Volvo Group brands, such as Volvo Trucks, Renault Trucks, Volvo Construction Equipment, Volvo Buses with expert financial services. This includes providing customers and dealers with a full-range of offerings, such as financing, leasing, and insurance solutions. Our team of about 1,400 professionals are located in over 40 countries worldwide. We work with passion, we trust each other and we embrace change to stay ahead. We make our customers win.
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