Credit Quality Assurance Analyst

Credit File & Portfolio ReviewConduct thorough post-decision reviews of credit applications to ensure accuracy, completeness, and strict adherence to internal credit policies, procedures, and regulatory guidelines.Verify the integrity of data, documentation, and decision-making processes within credit files.Analyse credit portfolio performance data to identify trends, anomalies, potential emerging risks, and areas requiring deeper investigation.Identify root causes of any identified deficiencies or non-compliance during reviews.Risk Assessment & ComplianceEvaluate the effectiveness of existing credit underwriting processes and controls, proposing enhancements to strengthen risk mitigation. Support and perform controls mandated within our eFront controls management system and by Audit and Head Office directives.Contribute to ensuring ongoing compliance with all relevant financial regulations and internal risk frameworks.Participate in the periodic review and revision of credit policies and procedures to reflect best practices and regulatory changes.Reporting & CommunicationPrepare clear, concise, and detailed reports summarising review findings, identified risks, and actionable recommendations for corrective actions and process improvements.Present findings and insights to relevant stakeholders, including credit teams, risk management, and compliance teams.Collaborate effectively with cross-functional teams to discuss findings, facilitate understanding, and support the implementation of best practices.Process Enhancement & Training SupportIdentify opportunities for process optimisation and contribute to initiatives aimed at improving the efficiency and effectiveness of credit.Assist in the development and delivery of training materials or sessions to promote a consistent understanding and application of credit standards.Continuous Learning & Market AwarenessProactively stay informed about industry best practices, evolving regulatory landscapes, and economic trends that could impact credit risk within the automotive finance sector.Share knowledge and insights with the team to foster a culture of continuous improvement and informed decision-making. Knowledge And SkillsTechnical and Business Acumen.Good understanding of credit principles, financial statement analysis, and common risk assessment methodologies.Familiarity with credit regulations, compliance requirements, and internal policies and proceduresAnalytical And Problem-SolvingDemonstrated ability to analyse credit files, identify discrepancies, and assess risk.Experience with data analysis to help detect trends, patterns, and anomalies.Capable of identifying problems, contributing to root cause analysis, and suggesting solutions.A keen eye for detail and accuracy in work.Communication And InterpersonalEffective written and verbal communication skills for reports, presentations, and providing feedback.Ability to collaborate constructively with cross-functional teams and share insights.Skill in providing clear, helpful feedback.Tools And TechnologyProficiency in Microsoft Office Suite, particularly Excel.Familiarity with the management systems (OMEGA, eFront etc) and credit scorecards and policy rules Appetite to learn new tools.Personal AttributesAbility to work effectively independently, manage workload, and show initiative.A collaborative team player who adapts well to a dynamic environment.High integrity, ethical conduct, and a commitment to continuous learning.