Credit Analyst

Credit Analyst

This is a great opportunity for an energetic and focused professional who is keen to develop their career in the finance industry.

As a Credit Analyst you will deliver timely commercially balanced credit recommendations within stated credit parameters to colleagues / credit committee. You will focus on medium / ticket transactions between €250k and €30m.

This credit role is hybrid with a minimum of two set office days per week.

Find out more here about how you can unleash your full potential at DLL

Day to day:

• Obtain and analyse financial, asset, market, legal and contractual information
• Support the management of our Commercial Finance portfolio through continuous assessment / monitoring of both new and existing credit lines
• Prepare structured financial analysis via ratio and peer group comparison, etc
• Prepare credit application reports as a sound basis for decision-making by senior risk officers and risk committee
• Attend end user meetings / calls to complete due diligence and help support the sales process on large / complex transactions
• Advise, prepare and participate in local credit committees and act as secretary to local credit committees when appropriate
• Develop comprehensive knowledge of DLL Group & Local Credit and Risk Policies
• Supporting on-boarding of new vendor programs from a Risk & Credit perspective
• Experience in negotiating legal and compliance aspects of proposed structures and engaging with internal and external legal counsel
• Ensure regulatory compliance at transaction level
• Act as a point of guidance to wider Operations / Commercial teams
• Review / assessment / approval of new suppliers / intermediaries
• Annual reviews of suppliers and participation (as required) in supplier dashboard / portfolio reviews
• Annual large exposure reviews
• Work closely with Collections & Recovery team
• Scoring, rating and annual re-rating of large exposures
• Contribution to the department’s regular reporting on portfolio quality and performance
• Provide advisory guidance to commercial teams on risk policy / procedures and work with the wider Credit Management team on the creation / revision of these policies / processes
• Support process improvement, using lean approach.

Key Performance Indicators:

• Well-structured and rationalized credit decisions / recommendations
• Timely credit recommendations supporting the total commercial value proposition
• Customer satisfaction – measured via NPS
• Compliance adherence
• Contribution to portfolio quality
• Contribution to team profile / culture

As this role is a Controlled Function (CF4), you will be required to meet the Central Bank of Ireland’s Minimum Competency requirements and Fitness and Probity Standards, meaning you will be required to obtain a qualification as either an Accredited Product Advisor (Loan and Consumer Credit) or Qualified Financial Advisor.

Central Bank requirements for a Control Function (CF):

• Fitness & Probity: Fitness and Probity Standards 2023 (centralbank.ie)
• Individual Accountability Framework: Guidance on the Individual Accountability Framework (centralbank.ie)
• Minimum Competency Code: Minimum Competency Code 2017 (centralbank.ie)

Essentials:

• Solid experience of underwriting / analysing standard and non-standard transactions in a wide range of sectors within either a banking or asset finance business
• Degree or equivalent in numerate/business / analytical subject
• Experience in analysing and executing large value structured transactions between €250k and €30m across various industries / sectors
• Experience of working closely with Relationship/Account Managers in Sales teams and helping them to structure deals

Core Competencies:

• Organized and structured approach, whilst being comfortable working in complex environments with deadlines
• Friendly and approachable member who is able to network and help encourage enthusiasm in colleagues, customers and team members to reach a common goal
• Task-focused problem solver, able to manage and prioritize multiple requirements
• Willing to “go the extra mile” when required, via a flexible / adaptable approach to daily workload
• Able to articulate thoughts in a concise manner both verbally and in writing
• A team player, who is keen to build the Risk “brand”
• Confident to engage in discussions with end user clients in relation to structuring credit requests
• Ability to work independently without close supervision

All members enjoy

• Two working days per year volunteering for a local charity.
• Health and Wellness program including healthy food, free health checks, fun health & vitality activities.
• Flexible hours with possibility to work from home
• Career development opportunities: online learning, member development programs.
• Click this link for an overview of all the benefits in your region.

Choose wellbeing

DLL’s wellbeing ambition is to educate, equip and empower members to build connections, manage their mental, emotional, physical and financial wellness and maintain balance between work and the other priorities that make up their lives.

Our four wellbeing categories are as follows:

• Connection – Build meaningful connections with other DLL members
• Health – Manage mental, emotional and physical health
• Finance – Provide learning opportunities to help members achieve personal financial health
• Lifestyle – Maintain balance between work and life priorities

These are the things that matter to our members and the wellbeing of our members matters to DLL

Settling in

At DLL, we are many things. We are team members, family members, community member. We are members of society, members of different cultures and nationalities. Members of change. We each have different beliefs, different passions, different viewpoints, talents and interests. We come from different backgrounds, cultures, nationalities and histories.

But for all of our differences, we share one thing in common: each of us are members of DLL.

Our company was founded in the Netherlands. But today we are truly a multinational business. Our unique culture is rooted in higher collaboration, less hierarchy and an honest directness that enable us to integrate, ideate and innovate across country lines.

Many companies say they are European, American, Asian or Australian, at DLL we are all these places and more.

We are a cross-culture collaborative – an interconnected network – that comes together every single day with one goal in mind: Partnering for a better world.

Good to know:

• Deadline for application: August 18th (Due to high volume of applications this requisition may close prior to posted close date)
• The selection process may involve an assessment.
• Applications via email will not be reviewed. Please apply online via our career website.
• DLL’s referral program applies
• For more information, please contact our Talent acquisition partner Natalie Gray via ukrecruitment@dllgroup.com

DLL appreciates the time you spend applying to our openings. We advise only those who qualify for an interview will be contacted. Hiring subject to successful completion of a background check.

DLL is an equal opportunity employer. We are committed to inclusive, barrier-free recruitment and selection processes and work environments. If contacted for an employment opportunity, please advise Human Resources if you require accommodation in accordance with our values and all applicable legislation.

For further information, and to apply, please visit our website via the “Apply” button below.