Credit Risk Analyst- (6 Months Maternity Cover)

To promote, support and maximize profitable sales through the implementation and maintenance of an effective International credit risk assessment function, thereby optimizing the asset base in line with profit and cash flow objectives. Acknowledging the specific differences in accounting methods across International environments in preparing credit line reviews Provide a detailed credit risk assessment through the evaluation of financial statements, credit reports, management accounts, operational performance, security and any other relevant factors in evaluating credit proposals and establishing credit facilities to support the commercial objectives and promote profitable sales, whilst ensuring an acceptable level of reward against risks taken. Ensuring that credit assessments are compiled within the parameters of Harley-Davidson’s International Credit Standards and that any conditions approved within the approval of facilities are monitored, maintained and adhered to. Establish strong working relationships with dealers, distributors and H-D subsidiaries. Job Responsibilities Credit Reviews: Complete a minimum number dealer of dealer file reviews in line to an agreed schedule by collating, analyzing and recommending a course of action based on risk factors. This includes but is not limited to financial analysis and performance analysis. Dealer Development: Perform the financial and performance analysis of future looking dealer projects for the expansion of the network, expansion of sites and changes of legal ownership including but not limited to historical financials, future financial plans and projected performance; track and execute related conditions; ensure proper authority and evidence proposed prior to system set up; record and maintain projects and conditions in systems and reporting of both in monthly KPIs with International Underwriting Manager. File Conditions: Tracking and executing of all conditions within a file review, following up with various teams on progress with action plans to bring dealers to compliance in accord with the commercial teams. Record and maintain conditions in systems and reporting of both in monthly KPIs with International Underwriting Manager. Ensure banks are of an acceptable rating and preparation of security documents. Security: Record and maintain security in systems and reporting of both in monthly KPIs with International Underwriting Manager. Any concerns to the validity of held security to be escalated to the manager. Bad Debts: Ensure bad debt losses are maintained within budgets, liaise with commercial teams and International Underwriting Manager to establish high risk dealers, monitor dealer watch accounts, liaise with legal counsel when required. Reporting and Documentation: compile monthly reports on a timely basis, generate ad-hoc reports from various systems, create and maintain reports for monitoring of work, file conditions, security and watch accounts.