Senior Analyst

Job Purpose Manage and support Equipment Finance and Business Finance customers through the lifecycle of lending facilities, ensuring accurate processing, portfolio management, customer service excellence, risk compliance, and adherence to regulatory requirements. Support products such as Hire Purchase, Finance Lease, Asset-Based Lending, Invoice Finance, Commercial Lending, and related business finance solutions.

Key Responsibilities

Customer & Portfolio Management Manage a portfolio of business finance and equipment finance customers. Review customer accounts, facility performance, and funding utilization. Respond to customer queries related to contracts, settlements, payments, and account maintenance. Maintain strong stakeholder engagement with Relationship Managers, Credit Teams, and Operations. Equipment Finance Operations Process new finance agreements, amendments, settlements, and contract variations. Support Hire Purchase, Finance Lease, and Asset Finance products. Validate asset documentation, invoices, agreements, and supporting evidence. Manage end-of-term activities including renewals, settlements, asset disposal, and contract closure. Credit & Risk Monitoring Monitor portfolio performance indicators and risk triggers. Conduct account reviews and identify deteriorating customer trends. Escalate covenant breaches, arrears, and financial risks. Support annual reviews, KYC, AML, and financial crime assessments. Ensure compliance with internal lending policies and regulatory requirements. Financial Analysis Review financial statements, management accounts, cash flow, and profitability. Perform affordability and repayment assessments. Analyse utilization trends, debtor performance, asset values, and customer exposures. Prepare portfolio reports and management information (MI). Operational Control & Governance Perform reconciliations and quality checks. Ensure accurate maintenance of lending systems and customer records. Adhere to SOPs, risk controls, maker-checker processes, and audit requirements. Support internal and external audit activities. Required Skills & Knowledge Domain Knowledge Asset Finance Equipment Finance Invoice Finance Commercial Lending Portfolio Management Credit Risk Assessment Business Banking Products Financial Analysis Collections & Recoveries (desirable) Technical Skills Financial statement analysis Credit assessment Risk monitoring Excel and MIS reporting Lending platforms and workflow systems Data analysis and reconciliation activities

Do Support process by managing transactions as per required quality standards Fielding all incoming help requests from clients via telephone and/or emails in a courteous manner Document all pertinent end user identification information, including name, department, contact information and nature of problem or issue Update own availability in the RAVE system to ensure productivity of the process Record, track, and document all queries received, problem-solving steps taken and total successful and unsuccessful resolutions Follow standard processes and procedures to resolve all client queries Resolve client queries as per the SLA’s defined in the contract Access and maintain internal knowledge bases, resources and frequently asked questions to aid in and provide effective problem resolution to clients Identify and learn appropriate product details to facilitate better client interaction and troubleshooting Document and analyze call logs to spot most occurring trends to prevent future problems Maintain and update self-help documents for customers to speed up resolution time Identify red flags and escalate serious client issues to Team leader in cases of untimely resolution Ensure all product information and disclosures are given to clients before and after the call/email requests Avoids legal challenges by complying with service agreements