Senior Credit Underwritter

Russia - Moscow, Russia

Permanent

Added on 18/05/2010

About our client
De Lage Landen is a global provider of leasing, business finance solutions, including vendor finance and factoring. Their asset-based financing programs help their customers to grow market share, enhance profitability and achieve strategic goals. Fully-owned subsidiary of the Rabobank Group, the world’s most creditworthy privately held bank with AAA rating from Moody’s and S&P’s, De Lage Landen offers secure and stable foundations for its activities in Russia. Our client offers a high-level opportunity as it is looking to recruit its Senior Credit Underwritter

Job description
Within the Corporate and Global Credit/Risk Business Unit you will be the key person in charge for the company of policies and regulations over Credit/Risk processes and procedures with authority level related to Commercial & Sales Unit.

Reporting hierarchically to Credit & Risk Manager you will collaborate with all functionalities, sales-/account management, Credit/Risk Management and relevant third parties during credit and risk process

Main responsibilities:
- To analyse risk of customer/end-user, local vendor or local dealer as a thorough basis for decision making on local vendor/dealer agreements and end-user credit applications
- To prepare credit and risk sections of end-user applications and vendor agreements/vendor reviews; to assign correct Probability of Default to applications using appropriate rating tool
- To draw up credit application reports as a sound basis for own decision making or decision making by risk committee.
- To execute the risk management and credit underwriting processes based on assigned authority levels and Business Unit targets.
- To advise, prepare and participate in local risk committee on decision-making regarding end-user credit applications and local vendor/dealer agreements
- As a voting member in risk committee you will prepare and support risk committee in a secretary role, advise risk committees on decision-making, screen risk committee decisions on local impact and take actions accordingly
- To develop and maintain score-cards / decision trees in collaboration with Credit Score & Risk Modelling department

Who we are looking for
- University degree in Finance or Economics
- Extensive experience in the field of credit analysis, underwriting and risk management
- Minimum 4 to 6 years of experience form an International Leasing company, or leasing department of foreign bank
- Proven experience of co-ordinating credit and risk management activities and processes, implementing new tools and monitor compliance
- Expert knowledge of vendor programmes, score card techniques, financial analysis, portfolio analysis, in- and external regulations and credit/risk management policies
- High analytical skills
- Extensive insight in in- and external stakeholder field and interests
- You can operates and thinks within diversified standards, defined policies and more generally supervised.
- Focus on high level (international) corporate clients.
- Authority level on credit-applications at maximum authority level of 50% of local risk committee
- Fluent English both in oral and written

Reference : MBSG4607

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