Job Details

Credit Analyst

Somerset Bristol United Kingdom, BS483 £21,000 - £24,000 , Permanent

Posted: 23 hours ago


ALD is uniquely positioned as an international organisation which has kept its Bristol-based family roots. We are proud to be part of the international French financial services firm, Société Générale, and to uphold the highest ethical and regulatory standards.

ALD Automotive is the leading vehicle leasing operation in Europe, managing over 1.6 million vehicles across 43 countries. Within the UK, ALD has a portfolio of over 150,000 leased and fleet managed vehicles, and is a market leader in innovation and service quality. A fully owned subsidiary of Société Générale we are global leaders in mobility solutions providing full service leasing and fleet management services, Ranked #3 Worldwide and #1 in Europe by number of contracts under management.

Through our Move 2025 strategy, we will become the global leader in our industry. That means investing in innovation and technology, sustainable solutions, state of the art digital capability and OF COURSE OUR PEOPLE!

  • If you come to work for ALD, you'll be part of this exciting journey.
  • Are you looking to take the next step in your career?
  • Are you looking for an exciting challenge, with plenty of growth opportunity?

The Finance Underwriting Team at ALD Automotive is responsible for evaluating credit applications and making decisions regarding whether to approve an applicant for requested finance. It is important that the decision making process is in line with business, regulatory and risk appetite and within agreed service level agreements.

To support clear audit trails of our end to end process it is necessary to document all justifications on credit decisions ensuring that they are compliant with the credit approval process and are in line with delegated credit authorities. The department is key to protecting the company from undue risk whilst providing great customer service.

Due to a combination of increased workload and the winning of new work we're currently seeking permanent staff to join both our Retail Underwriting and Corporate Underwriting Teams.

Key Purpose

  • Assess and make decisions on Consumer and SME credit applications in line with business risk appetite and company policy and procedures.
  • Protect the company from undue credit and regulatory risk.
  • Respond to customer requests ensuring that all relevant information is communicated clearly and accurately.


  • Evaluate and decision upon consumer and SME credit applications in line with regulation, internal company policy and service level agreements.
  • Produce a robust audit trail on application decisions ensuring outcomes are compliant with the credit approval process and are in line with delegated credit authorities.
  • Respond timely to customer verbal and written enquiries ensuring that all relevant information is communicated in line with credit risk policy.
  • Manage consumer and SME appeals effectively ensuring that all pertinent information has been considered and the best customer and business outcome is achieved.
  • Timely escalation of any procedural issues or decision process to the management team.
  • Achieve defined quality and efficiency standards.
  • Involvement in process reviews providing ideas to improve the E2E client journey.

Essential Criteria

  • Knowledge of credit processes.
  • Broad knowledge of UK regulated and finance industry.
  • Excellent communication skills i.e. written, face to face, telephone.
  • Proven research and analytical skills.
  • Previous experience within a similar analytical position.
  • Previous experience within the Financial Services industry Good standard in IT literacy in particular Microsoft Office applications.

What we can offer …

  • Generous contributory pension scheme.
  • 25* days holiday, in addition to Bank Holidays.
  • Volunteering Days in assist in charity work/CSR Initiatives.
  • An excellent CSR agenda - Ecovadis certification.
  • Flexible working options available.
  • Study Leave where applicable.
  • Enhanced parental leave.
  • Occupational Health Programme.
  • Introduction Bonuses for referring an Employee or Customer.
  • Access to LinkedIn Learning/time towards to your CPD.
  • Cycle2work Scheme.
  • EV charging points, bike storage, shower & changing facilites and car parking.
  • Progressive/collaborative culture.

If you're excited about the prospective of working with us, and have most of the skills or experience we're looking for, please go ahead and apply. You could be just what we need!

Job Details

Bristol, Somerset, United Kingdom
£21,000 - £24,000