Analyst
Analyst reviews each application (referral) individually, gathers data to support a rounded view of each potential customer's situation and makes a decision which ensures affordability for the applicant and is in line with credit risk appetite Client Details A leader in their field Description Review, analyse and utilise credit reference data to evaluate car finance referrals. Make credit decisions ensuring these are in line with Startline's Policy, Processes and Procedures Remain within the scope of mandated authority as outlined in the Startline Authority Controls Matrix Process each referral through all required checks, these include but are not limited to: trace, affordability, credit behaviour and vehicle criteria using tools which include Credit Reference Bureau, Glasses Guide, CIFAS. Add sufficient notes to each assessed referral in line with Startline Processes and Procedures and record any Conditions of Sanction Abide by GDPR data protection principles as detailed in the Startline Employee Handbook and in any telephone training provided Remain vigilant to suspicious behaviour, evidence of fraud or anti-money laundering activities and be familiar with Startline's AML policy, reporting any suspicions in line with this guidance. Knowledge Maintain an in-depth and up to date knowledge of CD's Policies and Procedures Attend and participate fully in any internal or external training provided Highlight any areas of our Processes and Procedures which could be enhanced. Efficiency/Continuous improvement Work efficiently to contribute to Credit Decisions meeting agreed service levels Proactively highlight any areas which may offer an opportunity to improve efficiency, process or customer experience. Customer Service Provide all callers with a warm, friendly and efficient service ensuring any information given is accurate, agreed actions are completed and any applicant's sensitive data is protected. General Abide by Health and Safety Policy and all other employment policies as laid out in the Employee Handbook Consistently consider and demonstrate Values and desired Characteristics Contribute to a welcoming, inclusive, open, and supportive culture within Credit Decisions and the wider company. Profile NA · Possession of, or studying towards a Finance or Risk related qualification. · Some form of financial services experience is preferable. · Previous underwriting experience · Previous Car Finance experience · Experience working in a regulated environment · The ability to analyse and interpret credit reference data. · Ability to work under pressure in a fast paced, targeted environment · The ability and desire to embody Startline's Values and Characteristics · Flexible and keen to contribute to Startline's success · Attention to detail with strong analytical and numeric skills · Embrace and contribute positively to change. Job Offer Office opening hours: Monday to Friday: 8am - 8pm Saturday: 9am - 6pm Sunday: 9am - 6pm Shifts are allocated to provide service during all opening hours on a rotational basis-flexibility required PT employees may be offered overtime when available.
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