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Contract - Credit Assessment Analyst

Date: 06-Sep-2022

Location: Bracknell, GB

Company: Honda Motor Europe Ltd

At Honda we embrace inclusion in our various policies, so whilst there is no contractual right to work from home, the flexibility we offer is that you can request to work from home for a maximum of 50% of the working days in any one month, providing there is no business requirement to attend the office.

 

The working hours are 35 hours per week between 9.00am - 5.00pm Monday to Friday with the occasional 10.00am - 6.00pm and Saturday cover. A day in lieu will be provided the following week for working a Saturday.

 

Role:

Reporting directly to the Customer and Credit Assessment Manager you will be working in a small but highly motivated team of Credit Assessment Analysts.

 

With a high degree of accuracy, expertise, and due regard to responsible lending requirements, you will be completing a full review of circa 100 applications per day for Honda’s Car and Bike customers. Each review will culminate in a decision or recommendation that will need to be backed-up with a thorough rationale and evidence.

 

Working with our fraud tools, you will be recognising key indicators of potential fraud and financial crime and then investigating them further to identify any risks. Where necessary, AML Suspicions and CIFAS forms will be raised.

 

As a member of the team making these important decisions, you will be working with Honda’s dealer network and our Area Operations Managers to provide a first-class support to them. Timely decisions will be expected but the avoidance of Customer harm must always be at the forefront of the mind for this role.

 

On a Daily basis you will be clearing a queue of applicants and customers who have been identified as being sanctioned or politically exposed in some way.

 

Main Responsibilities:

  • Using a Scorecard grade based system, in conjunction with credit reference and fraud data, assess applications for finance. Circa 100 cases per day, for balances more than 30K.
  • Use good attention to detail to ensure your decisions meet the lending criteria, and good judgment to recommend going outside those criteria, when appropriate.
  • Review customer open banking data in order to ensure they are able to afford the proposed monthly commitment.
  • Field calls from Area Operations Managers and Dealers with respect to the credit assessment process and the decisions made.
  • Review potential Politically Exposed Persons and Sanctions to ensure legal and regulatory requirements are met around fraud and financial crime.

 

Qualifications, skills and experience: Required/Desirable

Required

  • Extensive experience operating as a credit assessor (underwriter) in the motor finance industry or equivalent.
  • Experience carrying out customer and enhance due diligence assessments. Particularly on PEP and Sanctions customers.
  • Exceptional communication skills with an ability to succinctly capture the basis for a decision, including salient evidence.
  • Able to demonstrate confident decision making and ability to filter large amounts of information into the key drivers of any decision.

Desirable

  • Recently in possession of a credit assessment mandate to decision balances in excess of 30K.
  • Familiar with FCA regulatory sourcebook CONC.
  • Experience working in a customer facing area.
  • Strong numeracy skills.
  • Team player who is flexible with their shifts.

 

Honda is dedicated to the principle of creating equal opportunities within the workplace for all associates, agency workers, contractors, job applicants and visitors.

Central to this is Honda's commitment to be a fair, discrimination free company that accepts the uniqueness and differences of people around the world and adheres to the principle that all people are created equal and we embrace inclusion with our various policies.  

This commitment comes directly from the Honda Philosophy and belief that we all work together for a common purpose. Honda recruits, hires, trains and promotes into all levels the most qualified/experienced individuals without regard to race, colour, origin, religion, gender, sexual orientation, age, disability or any other protected characteristic.


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