Risk and Technical Support Analyst
- Recruiter
- Smart Solutions Recruitment Ltd
- Location
- Cardiff
- Salary
- £20000 - £23000 per annum, Benefits: Bonus
- Posted
- 13 Nov 2015
- Closes
- 11 Dec 2015
- Ref
- J12728
- Contact
- Beth Poulton
- Sectors
- Banking & Financial Services
- Contract Type
- Permanent
- Hours
- Full Time
Smart Solutions are currently recruiting for an exciting new opportunity as a Risk and Technical Support Analyst role within the Financial Sector in Cardiff.
Salary: Up to £23,000 pa + annual bonus up to £3,000
Hours: 35 hours per week, Monday Friday 9am 6pm
Job Summary:
To proactively assist the Risk & Technical Support Manager in providing a professional service to Funded Dealers, controlling effectively and efficiently both credit risk and the day-to-day departmental operations and adhering to Company and departmental procedures and standards at all times.
Responsibilities:
1. Ensure that all customers are provided with a professional and efficient service in an enthusiastic and knowledgeable manner at all times in order to maintain and develop business relationships with a full and comprehensive understanding and appreciation of the varying forms of funding available and the appropriateness of limit and type of funding according the credit risk and commercial return.
2. Ensure all dealer funding documentation is drafted for issue in accordance with mandated sanctions, having due regard to all agreed specific terms and conditions, and produced in an accurate and timely manner and in accordance with Company and departmental procedure.
3. In conjunction with the Risk and Technical Support Officers, actively monitor and update audits undertaken via the departmental auditors and OCS via the SMART system, and ensure the timely transposition of audit activity and results to the recognized summary reporting spreadsheet for weekly summary review with and referral to the Risk and Technical Support Manager together with appropriate email referral of sub-standard audits together with any recommended remedial action.
4. In conjunction with other members of the Dealer Funding team, undertake the comprehensive and accurate set up of new APAK funded dealers in accordance with fully and correctly signed and dates offer letters and related documentation and reflecting all agreed terms including reimbursements percentages, charging rates and fees.
5. In the absence of the Risk and Technical Support Officers ensure that Advance of Advances facilities are renewed in a timely manner and to a level not exceeding the documented and mandated limit and to a level appropriately reflective of volume related experience, making recommendations for lesser renewals where appropriate and with appropriate lines of communication to both the Risk and Technical Support Manager and the field account manager and regional manager. Likewise for typically annual renewals of Advance Commission facilities.
6. Assist the Risk and Technical Support Officers and provide coverage for absences for the daily administration of duties connected with
the smooth operation of the APAK facilities for dealers, including releases, queries, and conflicts as well as helping to resolve functional
issues.
7. Provide coverage and assistance for the Risk and Technical Support Officers un ensuring the timely workings of title conflicts via HPI
specific to preserving good title under APAK dealer funding and ensuring, beyond audits, that dealers are settling vehicles in a timely
manner and in accordance with prescribed deadlines, together with the levying and reporting of fees as appropriate.
8. Co-ordinate and follow up on the completion of annual credit reviews, including direct letter and/or email communication together with
any necessary follow up calls or emails to ensure the timely collation of information for review and assessment and manage overdue
reviews to within 5% of the funded portfolio target.
9. Assist the Risk and Technical Support Manager where requested in the assessment and recommendations related to annual credit
reviews and new funding credit submissions, making suitable documented observations and drawing appropriate conclusions with
appropriate weighted regard to strength of covenant, conduct of facilities where existing, such as APAK audits, and reciprocal argument
both in terms of annual(ised) volume achievement relative to commitment and quality.
10. Assist the Risk and Technical Support Manager in the periodic APAK charge review exercises ensuring the accurate assessment of charge
rates and application via the APAK system.
11. Assist the Risk and Technical Support Manager in the collation and preparation of management information and reporting, including
departmental month end reporting, ensuring they are produced in a timely, efficient and accurate manner, with active use of MS
applications (Excel and Word) and Business objects and/or BI Publisher.
12. Assisting the Risk and Technical Support Manager as necessary in providing training, support and guidance for the Risk and Technical
support Officers in the efficient and effective completion of daily departmental routines.
13. Accurately assess credit applications within a personal lending mandate of £75,000
Main Benefits Include:
· 23 days annual leave
· Extra birthday day off
· Xmas shopping day
· Company pension scheme
· Private medical insurance
· Life assurance
· Free on site car parking
· Working as part of a small team with lots of progression opportunities
· Vibrant working environment unwritten rule is fun'
· Discount shopping benefit
· Bus & train access very close
if you believe that you have the necessary skills to apply, please submit your CV to the advert.
Salary: Up to £23,000 pa + annual bonus up to £3,000
Hours: 35 hours per week, Monday Friday 9am 6pm
Job Summary:
To proactively assist the Risk & Technical Support Manager in providing a professional service to Funded Dealers, controlling effectively and efficiently both credit risk and the day-to-day departmental operations and adhering to Company and departmental procedures and standards at all times.
Responsibilities:
1. Ensure that all customers are provided with a professional and efficient service in an enthusiastic and knowledgeable manner at all times in order to maintain and develop business relationships with a full and comprehensive understanding and appreciation of the varying forms of funding available and the appropriateness of limit and type of funding according the credit risk and commercial return.
2. Ensure all dealer funding documentation is drafted for issue in accordance with mandated sanctions, having due regard to all agreed specific terms and conditions, and produced in an accurate and timely manner and in accordance with Company and departmental procedure.
3. In conjunction with the Risk and Technical Support Officers, actively monitor and update audits undertaken via the departmental auditors and OCS via the SMART system, and ensure the timely transposition of audit activity and results to the recognized summary reporting spreadsheet for weekly summary review with and referral to the Risk and Technical Support Manager together with appropriate email referral of sub-standard audits together with any recommended remedial action.
4. In conjunction with other members of the Dealer Funding team, undertake the comprehensive and accurate set up of new APAK funded dealers in accordance with fully and correctly signed and dates offer letters and related documentation and reflecting all agreed terms including reimbursements percentages, charging rates and fees.
5. In the absence of the Risk and Technical Support Officers ensure that Advance of Advances facilities are renewed in a timely manner and to a level not exceeding the documented and mandated limit and to a level appropriately reflective of volume related experience, making recommendations for lesser renewals where appropriate and with appropriate lines of communication to both the Risk and Technical Support Manager and the field account manager and regional manager. Likewise for typically annual renewals of Advance Commission facilities.
6. Assist the Risk and Technical Support Officers and provide coverage for absences for the daily administration of duties connected with
the smooth operation of the APAK facilities for dealers, including releases, queries, and conflicts as well as helping to resolve functional
issues.
7. Provide coverage and assistance for the Risk and Technical Support Officers un ensuring the timely workings of title conflicts via HPI
specific to preserving good title under APAK dealer funding and ensuring, beyond audits, that dealers are settling vehicles in a timely
manner and in accordance with prescribed deadlines, together with the levying and reporting of fees as appropriate.
8. Co-ordinate and follow up on the completion of annual credit reviews, including direct letter and/or email communication together with
any necessary follow up calls or emails to ensure the timely collation of information for review and assessment and manage overdue
reviews to within 5% of the funded portfolio target.
9. Assist the Risk and Technical Support Manager where requested in the assessment and recommendations related to annual credit
reviews and new funding credit submissions, making suitable documented observations and drawing appropriate conclusions with
appropriate weighted regard to strength of covenant, conduct of facilities where existing, such as APAK audits, and reciprocal argument
both in terms of annual(ised) volume achievement relative to commitment and quality.
10. Assist the Risk and Technical Support Manager in the periodic APAK charge review exercises ensuring the accurate assessment of charge
rates and application via the APAK system.
11. Assist the Risk and Technical Support Manager in the collation and preparation of management information and reporting, including
departmental month end reporting, ensuring they are produced in a timely, efficient and accurate manner, with active use of MS
applications (Excel and Word) and Business objects and/or BI Publisher.
12. Assisting the Risk and Technical Support Manager as necessary in providing training, support and guidance for the Risk and Technical
support Officers in the efficient and effective completion of daily departmental routines.
13. Accurately assess credit applications within a personal lending mandate of £75,000
Main Benefits Include:
· 23 days annual leave
· Extra birthday day off
· Xmas shopping day
· Company pension scheme
· Private medical insurance
· Life assurance
· Free on site car parking
· Working as part of a small team with lots of progression opportunities
· Vibrant working environment unwritten rule is fun'
· Discount shopping benefit
· Bus & train access very close
if you believe that you have the necessary skills to apply, please submit your CV to the advert.