Credit Analyst – Softcat Graduate Scheme Birmingham

Overview

Position Title: Credit Analyst

Company: Softcat plc

Location: Birmingham, UK

Job Description

The credit risk team consists of 6 analysts led by the Commercial Risk Manager who reports into the Global FC. The team work closely with the sales team, financial reporting, and various areas of business operations. The credit risk team are ultimately responsible for the management, underwriting, and control of credit exposure to the business in what is a rapidly evolving and dynamic environment.

Responsibilities:

• To deliver timely credit decisions within stated credit parameters and own underwriting authority. Provide commercially balanced recommendations, balancing risk whilst driving business and supporting customer requirements.
• Make recommendations with supporting substantiated rationale on deals outside of own personal credit underwriting mandate
• Obtain and analyse financial, risk and market information
• Maintenance of credit processes to ensure integrity and accuracy of data\

Requirements:

• Proven analytical skills with ability to document findings and make recommendations
• Strength of character to stand by decisions and explain to those less familiar with credit risk
• Demonstrable ability to think around a subject, considering risk implications of our current policies and procedure
• Ability to take calculated risks with favourable outcomes
• Strong financial literacy and ability to interpret financial information from a credit-worthiness perspective