Performs overall analysis of lease transactions (customer, supplier, asset, risks coverage, etc)
Evaluates appropriate financial and other information for credit requests, structures the deal with an acceptable risk and according to Credit Policy requirements, performs detailed analysis and write-ups of small and average accounts, makes recommendation to management and communicates decision to dealers/customers/ASMs.
Presents credit applications to the Credit Committee or authorized credit approver.
Requests financial updates from customers (based on customer risk rating) and performs periodical review and re-scoring based on Credit Policy.
Ongoing monitoring of leasing portfolio quality and performance; makes respective reporting.
Assists with solving problems, answering questions and counseling ASM/Dealers with completing financial documentation and may occasionally help with collection.
On Manager's demand Participate in development of credit risk rating system, scoring models and other risk evaluation tools, as well as appopriate Policies and procedures development.
Develops and maintains business relationships with dealers/merchants, Area Sales Managers and others specific to position.
Review and authorize additional transactions against customer's current credit limit in order to maintain and improve overall performance of portfolio.
Assist in providing expert guidance on more complex accounts
Assists with training and coaching Credit Analysts and internal staff. Provides expert credit advice and may provide work direction.
Assists with the refinancing/restructuring of accounts when necessary
Administers collateral verification in assigned territories (if applicable)
Calculates risk on equipment financed, loan-to-value ratios, including gathering market information on equipment values
Properly documents each credit transaction per established standards
Требования к квалификации:
Credit Analyst or Risk manager experience, which includes small or middle-size business financing, knowledge of industry or market
Credit analysis experience in leasing industry (finance lease companies, captive automotive banks) or bank financing
Degree in Finance /Credit /Risk Managment discipline or equivalent experienceKnowledge of finance programs and lease products
In depth understanding of financial statements, cash flow and financial ratios
An Ability to execute credit underwriting and provide the professional opinion on the lease deal structure subject to risk mitigating factors
Good knowledge of HomNet leasing application as well as standard desktop load applications such as Microsoft Office plus intranet and internet functions.
Experience working in customer-oriented environment
High level of attention to detail and accuracy
Organized, initiative, good planner
Условия работы и компенсации:
To successful candidate the company offers in return:
Great career opportunities in one of the world’s famous Industrial Company
Creative & friendly atmosphere
Competitive salary & social package
Location in Domodedovo (corporate transport from metro stations: Kantemirovskaya, Serpukhovskaya, Tyoplyi Stan, Novokosino)
Контактное лицо: Emiruseinova Zarema
Эта вакансия перенесена в архив и доступна только в информационных целях
Для увеличения эффективности поиска работы рекомендуем также опубликовать резюме на портале Job.ru!