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Senior Debtor Risk Analyst

At a glance

To provide ABF UK Clients with a high quality, effective and sensitive Debtor Management Service which balances client needs with the needs of ABF.  To act as the UK Debtor Risk SPOC (Single Point of Contact) for the Debtor Risk SRTO (Subsidiary Risk Type Owner) and the ABF UK business.

 

Contributes to the UK risk policy by monitoring relevant internal and external developments and assesses their impact. Evaluates and discusses trends and situations which are important for the risk appetite and addresses the implications for the risk policy to local management.

Your job
  • A member of the Bad Debt Protection (“BDP) Community within ABF, taking responsibility for local implementation and compliance with debtor risk group guidelines and processes. Takes a pro-active role and is able to lead a global subteam responsible for harmonising and optimising BDP product & debtor risk processes and guidelines over the countries. Sets the example in being an ambassador of the global debtor risk team and the BDP product.
  • Creates and maintains a network with departments active in their area of attention and relevant external parties for instance local Atradius and AON relationships and Regulators. Shows and convinces them about the benefits of co-operation with ABF. Makes agreements about the approach of related subjects and regularly evaluates the cooperation and the results. Represents ABF UK during external meetings.
  • Supports, assists and prepares dashboard reports for the local Risk & Control Meeting and SERC to coordinate the implementation of any risk initiatives and to provide support to the business units and the central level on risk issues. Gives second opinions on all risk proposals submitted to the risk committees by the business. Decisions with significant impact on the risk profile must be made through the appropriate committee.
  • Supports UK team regarding Asset Based Lending files and sets the example and has a coaching role regarding risk assessments. Supports and develops the UK Risk Department in the area of credit & asset risk structuring. Supports and educates the business on the BDP product and in developing risk management knowledge and skills.
  • Underwriting funding limits up to the level of authority agreed for the individual and in accordance with ABF UK credit policy.
  • Monitoring credit and funding limits to ensure that they are reviewed for lack of use and removed or reinstated.
  • To co-ordinate the credit assessment of all new prospect opinions and liaise with the sales team regarding any issues.
  • To co-ordinate credit assessment on all non-recourse take-ons including switching of facilities by existing clients.
  • Withdrawing credit and funding limits on customer accounts where payment patterns or changes in information dictate this to be the appropriate course of action.
  • Ensuring the optimum level of information required for credit decision appeals is gathered, collated and presented in the prescribed format and manner.
  • Checking credit and funding approvals on the Aquarius System and ensuring that Clients are advised of the reply.
  • Ensuring that Debtor Account records, including changes in credit information, are updated in accordance with ABF policy.
  • Gathering all required paperwork to submit claims to Credit Insurance Provider in prescribed format and within required timescales. Ensure good communication is maintained with clients in regard to the claim process.
  • Process all bad debt and protracted default payments for clients in a timely fashion.
  • Report to Credit Insurance Provider any adverse information received or payment patterns outside guidelines of any debtors. Ensuring compliance with Insurance policy and timely payment of claims.
  • Use of overdues reporting to remove or suspend credit limits where applicable.
  • Administration of client’s Discretionary Credit Limits reporting and claims.
Your working environment

ABN AMRO is a Dutch Bank offering a full range of services to retail, private, commercial and merchant banking clients. We are also active internationally in a number of specialist activities, such as Corporate and Commercial Banking, Asset Based Finance and Clearing.

 

The culture we aim for within the Bank is one in which we strive to strengthen our clients’ position. Our success is based on our  client’s success. We want clients to perceive us as a trusted partner, professional and ambitious - our core values.

 

At ABN AMRO UK we follow the Banks global strategy. We always aim to put our customers first and to create sustainable, long-term value for all our stakeholders – customers, shareholders, employees and society at large; it is our people that we rely on to help us achieve this ambition.

 

We concentrate on our strategic priorities:

 

  • Client focus
  • Invest in our future
  • Maintain a moderate risk profile
  • Selectively grow our businesses
  • Improve profitability

 

ABN AMRO UK is part of the Corporate Banking business line and operates the following businesses in the UK:

 

  • Corporate and Institutional Banking – which includes  Corporate Banking, Clearing Global Markets - Sales & Trading, Escrow & Settlement, and Financial Institutions
  • Commercial Banking which includes Asset Based Finance and International Desk, which provides transactional banking services
     

Our business lines are supported by a number of functions such as Risk, Compliance, Legal, IT, Finance (Including Tax), Business Management and Human Resources. We currently employ approx. 380 individuals in the UK.

 

Your profile
  • GCSE level or above
  • Experience in a similar role
  • Proven financial industry working experience
  • Knowledge of commercial finance market and products and activities
  • Ability to interpret financial statements
  • Knowledge of credit risk analysis methodologies
  • Experience of working with Aquarius would be beneficial
  • Strong attention to detail
  • Ability to prioritize and multi-task effectively
  • Eagerness to learn and self-develop
  • Solution driven and can-do mentality
  • Ability to collaborate effectively with internal and external Stakeholders
  • Ability to work under pressure and manage conflicting deadlines
  • Ability to work independently and within a team
What we offer

Opportunity to work in a dynamic environment, where flexibility is highly appreciated. We encourage you to grow and develop as a person and as an employee.

We have identified that the following types of flexible working may be suitable for this role in principle. Any requests will be determined in line with our Flexible Working Policy:

 

Type of Flexible Working

May be Considered

Job Sharing

Yes

Remote Working

Yes

Part time

Yes    (subject to sufficient cover within the team)

Flexitime

No

Unpaid leave

Yes

Staggered hours

Yes (subject to core hours 9-5

being covered by other team members).

Other

No

 

Interested?

Are you interested?   Please apply via the button below.

 

For more information please contact Niki Champion, Senior Resourcing Partner, UKrecruitment@uk.abnamro.com, +44 203 192 9342.

Equal opportunities for all
The success of our organisation depends on the quality of our people and the ideas that they have. Truly surprising insights and innovative solutions for our clients result from an interplay of cultures, knowledge and experience. Diversity is therefore extremely important to our organisation. To ensure that everyone at ABN AMRO can develop their talents, we encourage an inclusive culture in which all colleagues feel engaged and appreciated.
Location: 

Haywards Heath, N/A, GB

Job Posting Date: 
Requisition ID:  35987

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