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WHAT YOU WILL BE DOING

Santander Consumer Finance UK (SCUK) is based in Redhill, Surrey and provides motor finance to a network of dealerships throughout the United Kingdom.

Why apply for this role?

We have an exciting opportunity for an individual to join the Sales Development team as a Consultant, where you will be responsible for assessing and evaluating Credit Risk through in-depth analysis on Company accounts and Experian searches, whilst also managing all Dealer On-Boarding to appoint, encode and maintain the entire dealer portfolio for the SCUK business and all partners.

For our dealers and field-based team, you will be a welcoming voice that is able to assist with their queries regarding their commission as well as being an attentive listener and problem solver too. This is a varied role where no two days are the same, and you will be joining a supportive team of advisors where you will be guided, trained, and developed by a dedicated team leader.

What you’ll be doing

• To assess and evaluate Credit Risk through in-depth analysis
• Reviewing and assessing Company Accounts to identify any potential Credit Risk
• To appoint, encode, maintain and manage the entire portfolio of appointed dealers
• Adhering to FCA Regulations and completing FCA checks to ensure Compliance
• Ensuring all Compliance requirements are enforced
• Completing Experian searches on Companies & Individuals and evaluating any identified risk
• Dealer Screening – to sweep Sanctions, Terrorists & Politically Exposed People (STP’s) to ensure we are compliant with Counter Terrorist Finance (CTF) & Anti Money Laundering (AML)
• Complete Media Checks to ensure we have mitigated any risk for Directors / Shareholders that we on-board
• Liaise with the Financial Crime Team (FCT) where High Risk Countries are identified and create Due Diligence files for submission to the OBE Forum within SAN-UK
• Respond to all Sales and internal queries by telephone and e-mail within agreed time-scales
• Assist with technical system queries (FOL / SOL)
• Assisting with Commission/Debit Back queries
• Amending and Loading Commission packages
• Processing and managing Operating Agreements to ensure terms are applied correctly and to ensure they remain compliant and within Legal requirements to enforce
• Profiling proposals within the agreed commission terms whilst allowing movement on commissions payable and adhering to FCA Regulations
• Password resets for Front End Systems (FES)
• Administration of the Dealer Accounting System.
• Administration of Business Components
• Administration of SALMAN for all Sales Management data
• Assign and Remove approved Products to appointed dealers
• Deal with or escalate any identified risks in relation to Santander Consumer risk policies and/or legislative and regulatory guidelines in accordance with the Santander UK group risk framework

What we’re looking for

• Well-developed Balance Sheet, P&L accounting skills and related controls
• Ability to interpret and evaluate information and make decisions and recommendations
• Ability to multi task and manage your own work
• Experience of the Regulatory environment associated with consumer credit activities
• Problem solving skills and can think conceptually and creatively
• Strong computer literacy and numeracy skills
• High level of accuracy and attention to detail
• Strong communication and interpersonal skills and an excellent telephone manner
• Ability to multitask and manage your own workload
• Ability to work well under pressure and to tight deadlines
• Highly organised and possess strong planning skills
• A positive and enthusiastic approach, self-motivated and receptive to change
• The ability to assess, manage and control credit risk within the business unit
• Knowledge of risk policy, systems and controls (desirable)
• Ability to make balanced risk-based recommendations for on-boarding (desirable)
• Ability to analyse & report on Financials using strong analytical/numerical skills (desirable)
• Assess and evaluate credit risk through in-depth business and financial analysis (desirable)

What we offer

• Competitive salary of £30,000-£34,000 per annum (dependant on skills & experience)
• 27 days holiday per annum, plus bank holidays
• Annual bonus based on personal and company performance
• £500 flexible benefit allowance
• Generous pension contributions
• Employee assistant programme
• Enhanced family friendly policies
• Sharesave scheme
• Discounts on high street brands
• Local retail discounts

Other things you need to know

The hours of work will be Monday to Friday 09.00 – 17.00. New Business shift pattern may apply should business needs permit.

Equal Opportunities

Santander Consumer Finance are an equal opportunities employer. Our customers come from a wide range of backgrounds, and so do our people. By reflecting and celebrating diversity in our workforce, we’ve created an inclusive culture, which adds real value to our business.

When we talk about diversity, we’re not just paying lip service. It’s too important. Everyone here is selected, promoted, and treated on their aptitude and skills to do the job, irrespective of their gender, age, disability, race, religion & belief, or sexual orientation. It’s a culture where everyone counts, in which the diverse range of backgrounds and perspectives makes us stronger and helps us retain talented people and develop them to their full potential.

What are the next steps:

If you are interested in this role and believe you have the skills, experience, and knowledge then we’d love to hear from you. Please go ahead and click apply which will take you through some questions and allow you to submit your CV and covering letter. Please ensure you attach a covering letter.