Senior Credit Analyst
DLL
UK, Watford
4h ago

Do you believe businesses should have a bigger ambition than short term profit? If you do, join DLL’s mission to get the right tools into the right hands.

You’ll be part of a team that understands the heart and soul of our partners’ business. A team that provides original financial solutions to sustain success for generations.

As a Senior Credit Analyst you will deliver timely commercially balanced credit recommendations within stated credit parameters to colleagues / credit committee.

You will focus on large ticket structured transactions which will typically be between £2.5m and £30m.

Your function

Day to day you will :

  • Obtain and analyse financial, asset, market, legal and contractual information.
  • 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 risk committees and act as secretary to local risk committees when appropriate.
  • 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.
  • 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 vis NPS
  • Compliance adherence
  • Contribution to portfolio quality
  • Contribution to team profile / culture
  • Your profile

    Skills and Attributes :

  • 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 goals
  • 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
  • Experience :

  • Solid experience of underwriting / analyzing 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 of between £2.5m and £30m particularly in the Direct Sector
  • Experience of working closely with Relationship / Account Managers in Sales teams and helping them to structure large deals
  • We offer

    At DLL, we consider our people our biggest asset. That’s why you’ll be treated as a member, not just an employee. Together we create an informal, but professional atmosphere that is hard to find elsewhere.

    We also encourage members to seek out the best skills across all our offices, because the more networked we are as an organization, the more effective we can be at seeing more than a customer, and working harder as a partner.

    All members enjoy :

  • 25 days paid annual leave (plus public holidays) based on a 35 hour working week.
  • Short Term Incentive Plan based on DLL results and personal performance.
  • Non-contributory pension scheme.
  • Private Healthcare Scheme
  • Two working days per year volunteering for a local charity
  • Flexible working
  • Career development opportunities : online learning, member development programs
  • At DLL we stimulate your health and wellness e.g. fun, health & vitality activities organised by our True Energy team.
  • Additional information

    DLL is a global vendor finance company with more than EUR 30 billion in assets. Founded in 1969 and headquartered in Eindhoven, the Netherlands, DLL provides asset-based financial solutions in the Agriculture, Food, Healthcare, Clean Technology, Construction, Transportation, Industrial, Office Equipment and Technology industries.

    DLL partners with equipment manufacturers, dealers and distributors in more than 30 countries to support their distribution channels and help grow their businesses.

    DLL combines customer focus with deep industry knowledge to deliver sustainable solutions for the complete asset life cycle, including commercial finance, retail finance and used equipment finance.

    DLL is a wholly owned subsidiary of Rabobank Group.

    To learn more about DLL, visit .

    Good to know :

  • 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, you can contact the UK Recruitment Team via
  • Screening is part of the application procedure and DLL screens all interns and new employees according to the DLL Global Screening Policy in order to ascertain whether the applicant may hold a position at DLL.

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