Credit Analyst

Founded in 1927, the Volvo Group is committed to driving prosperity and shaping the future landscape through sustainable transport, mobility, and infrastructure solutions. By offering trucks, buses, construction equipment, power solutions for marine and industrial applications, financing and services that increase our customers' uptime and productivity. Our headquarters are in Gothenburg, Sweden. Volvo Group shares are listed on Nasdaq Stockholm.Transport is at the core of modern society. Imagine using your expertise to shape sustainable transport solutions for the future? If you seek to make a difference on a global scale, working with next-gen technologies and the sharpest collaborative teams, then we could be a perfect match. What you will do At Volvo Financial Services you will contribute to the transformation of our company, the transport industry and society at large. You will be responsible for assessing finance credit applications and working closely with the Head of Risk and Operations to demonstrate best practice in credit risk management activities. Your responsibilities include but are not limited to: Prepare retail credit applications in accordance with Credit Policy and Procedures. Liaise with stakeholders as necessary to obtain further information and the completion of credit applications. Assist with the preparation of retail and wholesale credit applications for submission to Local, Regional or Executive Credit Committees. Assist the Collections function with the restructure of current loan facilities. Assist with the preparation of Pre-Investment Committee (PIC) submissions for consideration. Monitor industry, market or business trends and report any significant to internal stakeholders any significant trends or changes which may impact on the performance and quality of the total portfolio. Your future team Reporting to the Head of Risk Operations, you will be working with an immediate team of 6. For the second consecutive year, we have been awarded the prestigious "Great Place to Work" accreditation. This recognition is a testament to our commitment to fostering an environment where collaboration, innovation and employee well-being are at the forefront. At Volvo Financial Services, we believe that a happy and engaged workforce is the key to success, and our consistent acknowledgment as a Great Place to Work reflects our dedication to creating a workplace that inspires growth and fulfillment. Join us in our journey to make every day at work a rewarding experience, where your contributions are valued, and your career aspirations are supported. Be part of a winning team and elevate your career with us! Who are you? Do you dream big? We do too, and we are excited to grow together. In this role, you will bring: Relevant tertiary qualifications in Business, Management or Commerce. Proven credit underwriting experience focusing on commercial assets, within a financial services company, ideally with a lending delegation. Sound knowledge of collection policies and procedures, including legal guidelines and restrictions, as well as a strong understanding of relevant legislation. Strong experience developing score cards and automated credit decisioning processes (desirable). Excellent analytical skills with a real focus on providing excellent customer service. What's in it for you? We offer a solid package of compensation and benefits, plus you will enjoy: Access for you and your family to free, anonymous mental health support through our EAP, Sonder. Countless opportunities to develop and build your career and work globally or cross-functionally. Opportunity to purchase an extra week of annual leave. Generous parental leave policy including superannuation. We care about our people, we are committed to making your workplace safe and facilitate a healthier lifestyle for our employees through flexible working arrangements and work life balance. Ready for the next move? If you want to make a real impact in your career, the transportation business is where you want to be. We look forward to meeting you. We value your data privacy and therefore do not accept applications via mail. Who we are and what we believe in Our focus on Inclusion, Diversity, and Equity allows each of us the opportunity to bring our full authentic self to work and thrive by providing a safe and supportive environment, free of harassment and discrimination. We are committed to removing the barriers to entry, which is why we ask that even if you feel you may not meet every qualification on the job description, please apply and let us decide. Applying to this job offers you the opportunity to join Volvo Group. Every day, across the globe, our trucks, buses, engines, construction equipment, financial services, and solutions make modern life possible. We are almost 100,000 people empowered to shape the future landscape of efficient, safe and sustainable transport solutions. Fulfilling our mission creates countless career opportunities for talents with sharp minds and passion across the group's leading brands and entities. At Volvo Financial Services, we are working together to shape the world we want to live in. As the captive finance arm of the Volvo Group, VFS provides financial services and solutions that meet the needs of our customers' evolving business. Through our dedication to innovation, we support society in its adoption of sustainable transport and equipment solutions. VFS is headquartered in Greensboro, North Carolina, USA and serves Volvo Group customers and dealers in more than 50 markets.