Tryg Trade is one of the largest Scandinavian providers of surety bonds, guarantees and trade credit solutions, with offices located across Europe. Tryg Trade is part of the 'A1' Moody's rated, largest Scandinavian general insurer Tryg which generates +£4bn turnover with 7,000 staff and headquartered in Denmark. With roots going back to the great Copenhagen Fire in 1728, Tryg is today listed on the Nasdaq OMX in Copenhagen with a market capitalisation of approximately £10bn and its performance additionally secured through close cooperation with the world's leading reinsurers Same brand, same strength, Tryg Trade is now authorised by the PRA / FCA and has now entered the UK market. Tryg is a unique Scandinavian word meaning to feel protected and cared for, with these values being strongly replicated into the UK product offering. Based in London but looking to support national coverage and specialising in the UK Construction Industry, our bonds and guarantees offer sustainable security for every beneficiary and are readily accepted by public and private clients across Europe. Tryg Forsikring A/S a company incorporated in Denmark (CVR number: 24260666) acting through our UK Branch (CRN: BR024708) which trades as Tryg Trade. The UK Branch is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Firm Reference Number is 1001499.

Specialised in Construction - analysed and monitored the industry health, behaviour + developments as well as company performances within multiple sectors of the UK Industry. Assessed European & Global construction industry developments with key detail on geographical locations where UK contractors operatedEffectively monitored and implemented prompt limit decisions for clients and provided quality communication within agreed SLA’s •Assessed credit limits consistently and correctly to ensure renewals, as well as new business targets and loss ratios achieved •Close communication with clients to provide information to support business decisions and mitigate losses•Attended client meetings to discuss cover requests on buyers, construction industry reviews, construction industry sector reviews + performances of leading buyers within the industry•Upheld & developed Insurance Industry Broker relations - assisted with updates on the construction industry including current concerns, performance of leading businesses + most recent failures along with causes. Also attended prospect events to support new business streams•Presented both internally & externally to wide audiences on the UK construction industry, more specific regional construction industry or specific sectors within the industry - including leading contractor results + operational & organisational developments

Effectively monitored and implemented prompt limit decisions for clients and provided quality communication within agreed SLA’s •Assessed credit limits consistently and correctly to ensure renewals, as well as new business targets and loss ratios achieved •Close communication with clients to provide information to support business decisions and mitigate losses•Attended client meetings to discuss cover requests on buyers, sector reviews, economy reviews and business developments

Responsible for customer accounts whose credit limits fall £50,000 to £150,000. Reviewed and analysed customer accounts and set limits which included Insured values from Euler Hermes and QBE Insurance and also discretionary limits•Analysed financial reports of customers and management accounts to appraise the financial position of companies and projected position. Included reviewing financials sent through direct from customers, as well as Graydon Reports, D&B reports, and Experian Reports•Worked with Graydon ePatrol tool to help manage any changes to risk levels associated to Avnet customers and therefore being in a position to mitigate any risk efficiently •Used SAP to review customer accounts: how much credit exposure was being utilised currently by the customer, level of sales undertaken within the last 12 months, payment habits of the customer, overdue amounts or disputes, and what was projected in the pipeline for customer upcoming activity•Prepared credit pitches for management to assist with customer meetings – credit limits up to £1,000,000•Order releasing through SAP•Set up new customer accounts – conducting credit checks and fraud checks on companies before accounts created onto SAP system by the credit control team

Conducted credit analysis of customers within the emerging markets by analysing annual reports to appraise the financial stability, solvency, liquidity and creditworthiness of the companies. Also assisted with account management of customers within the emerging markets to ensure payments were efficiently completed and overdue amounts limited •Completed credit reviews for customers and banks within the emerging markets. Included analysing financial accounts, credit reports from various agencies and account behaviour in terms of payment habits with Afton Chemical. When required, also completing sovereign risk assessments within the emerging markets •Used SAP to review the current status of customer accounts. Ensuring that any overdue payments were chased with respective sister office contacts and account managers •Extracted data from SAP to compile aging reports for the emerging market to be reviewed and analysed•Completed direct collection details onto MaxTrad

Responsible for analysing and appraising the pricing applied to the Norbain products when distributed to customer in over 70 countries•Analysed the supplier pricing set for their products to understand what marginal discount was being received by Norbain and if there had been any changes to the discount or buy price for Norbain•Analysed the pricing and discount rates set by Norbain to ensure that desired profitability was achieved

Worked with D&B unique algorithms to appraise company risk worthiness and credit limits to assist businesses and individuals in making informed decisions prior to undertaking business activities•Analysed D&B Ratings and Credit appraisals provided on business information reports and explained the assessments presented to customers •Analysed company accounts and explained the financial position and stability of businesses to customers•Examined company structural information and ensured details on reports were showing accurately. This included both the internal management hierarchy of firms as well as the external global family tree construction •Dealt with inbound calls and incoming emails from D&B Subscribers – including major corporate firms and titled upper management. Recorded information on Salesforce.com CRM Software •Resolved customer queries within demanding agreed SLA’s - involving communication and workings with global D&B Sister Offices•Highly target driven environment: KPIs = Salesforce case closure, line availability to take incoming calls, quality of communication verbal and written•Chaired departmental meetings on several occasions to discuss internal business processes and any changes being implemented or considered

•Took deliveries from suppliers and ensured correct products matched Alpha order forms•Ensured stock was stored to comply with FIFO procedures and conducted monthly stock-taking checks•Ensured that the correct products were available for the production departments on time and without any disruption to the strict timeframes. Also had to communicate and translate through Punjabi with colleagues

•Created Excel Spreadsheet and Access Database with Medical Test information – to assist with applicability for medical data extraction and efficient storing/verification of data•Quality-Checked and inputted data of patient and medical information into specialist database•Scanned medical results received for archive and sent to correct in-house laboratories for testing

•Checked for new business leads to supply to the sales team•Cold Calling - sold advertising space to businesses and individuals within Yell Directory and updated company databases with information gained•Prepared leads with businesses interested in advanced exposure within the Yell Product Portfolio – these leads then worked by the sales account managers