HCUK Credit Analyst; Wholesale

## HCUK Credit Analyst (Wholesale)
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Redhill:
Full time:
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Req
1615143

HCUK Credit Analyst (Wholesale)
Country:
United Kingdom
** Background
* * Hyundai Capital UK Ltd is a joint venture operating under Hyundai Finance, Kia Finance, and Genesis Finance brands, offering funding solutions to retailers and consumers.

** Job Purpose
** Reporting into the Wholesale Credit Manager, the key purpose of this role is to ensure reviews of wholesale facilities are carried out on a regular basis and the data accurately recorded, as well as making appropriate lending recommendations to the correct authority levels within HCUK, Santander and HCS Korea. This role will also be responsible for the structure and negotiation of security arrangements in support of HCUK’s lending proposals, acting as a main point of contact with external legal advisors/solicitors.

In this role, you will control and deliver all daily wholesale activities within the scope of the role.
** Key Accountabilities
** 1.

** General strategic
** Analyse, monitor, control and report on HCUK’s Dealer Wholesale Funding Operations, with specific focus on:
· Assessment and continuous monitoring of all credit risk related aspects of the operation
· Ensuring reviews of new business propositions and existing funding lines are carried out and kept in line with HCUK corporate standards by undertaking appropriate analysis on Profit & Loss, Balance Sheet and Cashflow forecast models provided by dealerships/dealership groups
· Control and development of related wholesale credit policies, procedures, controls and reporting
· Proactively identify opportunities for business and funding product development to help the company achieve its business targets
· Identify and report early signs of risk issues, providing mitigation and conducting site visits to credit watch accounts as required
· Actively contribute to the performance of the Wholesale Risk Team
· Validate and record all data obtained from external operations
· Contribute to the delivery of specified projects as a part of the strategic and operational plans, including supporting budgetary reporting requirements
· Adhere to mandates, all risk policies and actively engage with our conduct risk and customer focused culture.
2.

** Technical Knowledge
** Maintain up-to-date awareness of all relevant risk, credit, compliance and regulatory requirements, and market best practices and then work with the business and related partners to continually refine HCUK policies and processes. Act as a wholesale risk subject matter expert within the organisation.
3.

** Stakeholder engagement
** Establish and develop close, effective working relationships internally and with our OEM partners, relevant SCUK and HCS departments, internal and external auditors and other related 3rd party suppliers and organisations.
4.

** Communication and Reporting
** Establish and maintain effective communications with all related regulatory and compliance bodies, Santander Consumer UK and Hyundai Capital Services head office departments, our OEM partners and other key stakeholders. Working under the guidance of line management, develop and produce a high-quality MI reporting suite/dashboard. 5.

** Outsourced Oversight
** Within the scope of the role, maintain effective oversight and monitoring of any outsourced or other HCUK department related activities, to ensure performance against Key Performance Indicators (KPIs) and Service Level Agreements (SLAs) are delivered, and contractual obligations and charges are verified and audited.
6.

** Insight and Continuous improvement
** Contribute to an on-going review process to continually improve and refine the department’s QA measures and performance and to ensure continued adherence to legislation,…