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Credit Analyst


Stillorgan Business ParkDublin


ALD Automotive

Date added




Job Description:

Job Purpose:

The Asset Finance Underwriter will support ALD Automotive with Customer Credit Approval, Portfolio Management, Implementation of Internal Controls, Audit Adherence, Risk Analysis, AML, And Quarterly/Ad-Hoc reporting requirements.

Key Responsibilities:

Reporting to the Senior Asset Finance Underwriter the role holder will be required to carry out the following tasks :

Conduct thorough analysis of financial statements and assessment of credit requests, including new customer requests, credit reviews, and other ad-hoc change requests.
Provide recommendations to management based on analysis and assessment of credit risk.
When required discuss credit applications directly with the customer to better understand their business and financial performance.
Maintaining credit ownership for application through the entire credit process managing approval or decline communication.
Effectively manage and monitor portfolio quality on an ongoing basis and proactively report potential risks and opportunities to management.
Perform KYC/AML checks on customers and escalate issues to compliance as required.
Ensure compliance with ALD Group Credit Regulations.
Proactively identify process improvements opportunities.
Review and update policies and procedures.
Calculate risk ratings based on audited financial statements.
Complete Central Credit Register enquiry searches where required.
Update the relevant data fields on Key 2 system following credit approval.
Act as a contact point with Société Générale and ALD Group on credit issues.
Quarterly & ad-hoc reporting to ALD Group.
Support key controls and audit compliance activities in relation to the credit function, while ensuring integrity and compliance at all times.

Key Capabilities:

2+ years’ experience working in a similar role
Strong communication and negotiation skills
Strong business acumen with ability to interpret business financial statements and key drivers of results
Proven analytic and problem-solving abilities
Organised, detail-oriented, and have the ability to work efficiently with limited supervision
Strong interpersonal skills needed such as integrity, assertiveness and using your initiative
Self-motivated and resourceful


2 years’ experience in asset finance underwriting would be preferred
Collections experience
Third level qualification in a related area such as Finance or Accounting


Permanent / Full-time

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