Job Description

Description

Reports to:

Commercial Risk Manager

Location:

Leicester LE3 5BZ

Working hours:

Monday to Friday, 37.5 hours a week

We're looking for an insightful and motivated junior credit analyst to join our growing Commercial Team.

You'll be part of an experienced Commercial Team responsible for providing credit-risk insight & analysis to support wider business objectives. In addition to this you will be responsible to develop meaningful credit reporting and create insights that support commercial credit risk decision making.

As a credit decision analyst, you will receive applications from Direct Sales & TPI's for business-energy customers who are looking to contract with Yu Energy, to power their businesses. You will be responsible for ensuring in-depth credit assessments are completed, and credit terms are acceptable to mitigate risk exposure for Yu Energy. Some of these mitigations, could be advocating for security deposits, guarantor agreements etc. You'll also likely be required to challenge various stakeholders when credit risk is apparent.

You will complete due diligence and KYC checks using 3rd party software tools to verify our customers and to support with decisioning. Additionally, you will analyse data across out customer portfolio looking to spot trends and identify further opportunities for development. In this role, you will work very closely with other areas of the business such as Sales, TPI, Debt, and Operations respectively. You will also be a point of contact to support with queries, credit decisioning reasoning and be a bridge between Yu Energy and 3rd party credit bureau relations.

If you are insightful, motivated, data-driven and can proactively spot risk & identify viable solutions - we'd love to hear from you. You will be supported in this role by another credit analyst and will report directly into the Commercial Risk Manager.

What We Need From Yu

Here's a taste of what you'll be doing:

Assessing credit worthiness of business-energy customer applications Putting forward mitigations to reduce Yu Energy's risk exposure Reviewing Credit Reports, financial statements, profit & loss and Balance sheets Assisting stakeholders with Queries / Support - managing an inbox and escalations Building and creation of insight, MI and data-driven reporting - including visuals, reports etc Support the Commercial Risk Manager to instil further governance around credit risk Actively build relationships cross departmentally, to enhance working relations Own & lead certain work initiatives, by driving & facilitating data-led insight & gaining approval for additional activity that may drive commercial benefits

About Yu

If you have what it takes you could be just what we're looking for...

Analytical - Excellent problem solving, strategic thinking and analytical skills Advanced Excel, SQL and experience of data Visualisation tools (i.e. Power BI) preferred Inquisitive - Being able to seek out information and not just accepting the first response Organised - Fantastic organisational skills Knowledgeable - Being able to use Excel to a high level to find patterns Confident - Would need confidence to report and challenge gaps found Team Player - You enjoy working closely with a team Great communicator - you have first-rate communication and interpersonal skills Self-Motivated - You are naturally motivated to deliver & give 100% in everything you do

Yu Come First

We have a wide range of benefits for our employees including:

24 days annual leave + bank holidays Holiday buy - up to 5 additional days Day off on your birthday Employee Assistance Programme Annual salary review Learning and development opportunities Enhanced paternity, maternity and adoption policies Yu made a difference Awards 3 days additional annual leave if you get married/civil partnership etc. Appointment allowance Long service recognition Refer a friend payment Company sick pay (subject to length of service) New modern facilities Death in service and critical illness cover Plus, many more

#YUIndeed

If you need any reasonable adjustments to help you apply for a role, please let us know and we will see what we can do.

About Yu Group

Yu Energy are one of the UK's fastest growing business gas, electricity and water suppliers, supplying thousands of companies across the UK.

On a mission to shake-up the UK business energy market, our winning combination of expert, personal service and competitive prices are specifically tailored to the needs of commercial customers.