Junior Credit Analyst

Job title:

Junior Credit Analyst

Company:

Cox Automotive

Job description

Location: Hybrid – 2 days a week working in our Chester officeWorking Hours: Full Time (Monday – Friday 8:45am – 5:15pm)Salary: Up to £35,000 (depending on experience) + a fantastic range of benefitsAbout Us
NextGear 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 needed.Key AccountabilitiesAs a Junior 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 process, procedures and reporting standards is essential, as is responding to alerts from credit agencies to manage risk in line with our credit policy.Please note: Approximately 60% of the role is administrative in nature with the remaining 40% focussed on analytical tasks.What You Will Be Doing

• Assist the Credit Team in conducting credit analysis for new stocking limit applications, renewals and amendments, by interpreting business financial information and credit reference agency data.
• 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 NextGear Capital remains compliant with regulatory requirements.
• Collaborate closely with teams across NextGear 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.

Skills, Knowledge and Experience Required

• 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 (advantageous.
• Automotive industry knowledge is desirable, but not essential.
• Experience with Salesforce (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.

Why Join Us
We are proud to be an inclusive, anti-racist and equal opportunity employer. We celebrate diversity in all its forms – gender identity, race, ethnicity, sexual orientation, religion, age, disability, neurodiversity, education and beyond. We are a place where you can be you.Interested?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.#INDARCox Automotive is the world’s largest automotive service organisation. We
provide dependable solutions that improve performance and profitability
throughout the vehicle lifecycle to manufacturers, fleets, and retailers.
Our businesses are organised around our customers’ core needs across vehicle
solutions, mobility, remarketing, funding, and retail.

Expected salary

£31000 per year

Location

Chester

Job date

Thu, 24 Apr 2025 23:05:59 GMT

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