Credit Analyst

Hybrid - 3 days a week working in our Chester office (Tues, Weds and Thurs) Job Hours

37.5 hours per week (Monday - Friday 8:45am - 5:15pm)

Up to £38,000 (depending on experience)

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Next Gear Capital UK and Ireland, part of the Cox Automotive Group, is the UK’s leading provider of Stocking Plans for independent and franchise dealers. Our Credit Team maintains the financial records of the business, ensures appropriate controls and governance to minimize risk and provides insightful management reporting to drive business decisions. We support strategic change and partner with business leaders and managers as neede.

• A diverse, supportive team where your voice matters.
• Full training and development opportunities.
• Hybrid work option - 3 office days.
• A dynamic and growing company culture.
• Your birthday off every year - paid.
• One annual Well-Being Day for you to relax and recharge.
• One paid Charity Day to give back and support a cause that matters to you.

As a Credit Analyst you will review business financial information and Credit Reference Agency data to recommend appropriate dealer stock funding facilities. You will play a key part in monitoring and managing the funding portfolio, identifying potential risks and taking proactive steps to mitigate them. Ensuring compliance with internal processes, procedures and reporting standards is essential, as is responding to alerts from credit agencies to manage risk in line with our credit policy.

• Conducting credit analysis for new stocking limit applications, renewals and amendments, by interpreting business financial information and credit reference agency data. This includes report writing to summarise your findings and recommendations.
• Maintain accurate, up-to-date records in internal systems to support cross-functional teams.
• Conduct anti money laundering and portfolio checks to ensure dealers meet eligibility criteria and Next Gear Capital remains compliant with regulatory requirements.
• Collaborate closely with teams across Next Gear Capital and Cox Automotive to support seamless completion of credit analysis tasks.
• Building, developing and managing strong funding relationships with business owners and Directors of new and existing clients.

• Previous experience in credit or underwriting for commercial credit facilities is preferred, but not essential.
• Strong financial analytical skills with a solid understanding of financial statements (P&L & Balance Sheet analysis is essential).
• Familiarity with Credit Reference Agency reports is advantageous.
• Automotive industry knowledge is desirable, but not essential.
• Experience with Salesforce is advantageous.
• Proficiency in MS Office, particularly Word & Excel.
• Analytical thinker with a keen eye for detail and a strong credit analysis focus.
• Excellent decision-making, prioritization and time management skills.
• Strong interpersonal and communication skills, with the ability to collaborate across all levels.
• Confident problem-solver and team player with a calm approach under pressure.
• Solid IT, numerical and data interpretation skills.
• Applications are welcome from graduates with a degree in Business, Financial Services, Economics or related fields.

We are proud to be an inclusive and equal opportunity employer. We celebrate diversity in all its forms. We are a place where you can be you.

If you're ready to take the next step in your career and grow with a dynamic and supportive team, we'd love to hear from you. Apply now and help shape the future of dealer stock funding with Next Gear Capital.