Ryan Harvey Email & Phone Number

Newport, Gb

London Area, United Kingdom

Non-flow = £500k+ proposals- Analyse credit data and financial statements to determine the degree of risk involved in extending credit in all business channels for predominantly mid-ticket transactions, as well as supporting sales-aid leasing/flow business where and when required- Interpret and evaluate internal and external credit reference agency, broker and market reports to determine the degree of risk involved in extending credit. Confer, consult and undertake due diligence… Show more Non-flow = £500k+ proposals- Analyse credit data and financial statements to determine the degree of risk involved in extending credit in all business channels for predominantly mid-ticket transactions, as well as supporting sales-aid leasing/flow business where and when required- Interpret and evaluate internal and external credit reference agency, broker and market reports to determine the degree of risk involved in extending credit. Confer, consult and undertake due diligence meetings with both internal and external credit associations and other business/customer representatives to clarify credit/collections information as and where necessary - Generate and evaluate financial ratios, using internal credit tools, to evaluate customers' financial status - Interpret and evaluate collateral curve analysis, in line with market, sector, and portfolio considerations to determine the degree of risk involved in extending credit - Prepare domestic and external risk reports that include the degree of risk involved in extending credit for all mid-ticket business channel transactions with clear, concise and rational recommendations for the credit decision- Exercise a personal sanctioning authority with diligence and care and preparing recommendations for those transactions outside of the personal sanctioning authority.- Maintain compliance with all leading industry guidelines and statutory regulations including consumer credit, treating customers fairly, anti-money laundering and data protection - Review existing transactions periodically to include the evaluation of payment history, purchase activity, collateral curve analysis, market/broker intelligence and prepare recommendations for the renewal of internal credit ratings/facilities - Ensure that all transactions presented to risk for pay-out meet the appropriate credit sanction and credit limit issued and that all documentation in respect of specific risk caveats has been provided and properly executed Show less

Bristol, England, United Kingdom

Focusing on £500k+ proposals. In the credit team we analyse applications for finance, for a range of assets such as IT Hardware / Software / Green Tech / Medical / unsecured loans. I am the green tech champion in our team which is an area I am really passionate about. The main duty is to analyse companies accounts, the asset, the financial product and the market, then make a decision on affordability for finance.Underwriting prudently all new business applications according to… Show more Focusing on £500k+ proposals. In the credit team we analyse applications for finance, for a range of assets such as IT Hardware / Software / Green Tech / Medical / unsecured loans. I am the green tech champion in our team which is an area I am really passionate about. The main duty is to analyse companies accounts, the asset, the financial product and the market, then make a decision on affordability for finance.Underwriting prudently all new business applications according to the Company policy and procedures. Managing the day-to-day relationships with Introductory Sources at a transactional level.- Performing credit checks and searches on individuals and businesses- Analysing New Business proposals, obtaining additional credit information where necessary- Ensuring decisions are entered into the Company operating systems within agreed service response times- Where the proposal is outside own authority, making comprehensive, detailed recommendations to a higher underwriting authority, to allow them to make the decision. This includes preparing Credit Application Forms (CAF’s) with all the necessary details.- Review Credit Policy & Procedures as appropriate.- Maintaining close liaison with Sales, Corporate Risk, Collections Recoveries and Payout Departments to ensure timely and accurate deal flow.- Any other ad-hoc duties as required by my Line Manager- Responsible for adhering to policies, procedures, guidelines and the internal control framework established to guide the operationof their function in addition to regulatory compliance requirements Show less

Bristol, United Kingdom

Bristol, United Kingdom

Carrying out investigation and relevant research on potential new business.Processing contracts which adhere to company policies and industry regulationsCommunicating with internal and external sales teams to develop new business opportunities

Bristol, United Kingdom

Carry out investigation and relevant research on potential Corporate and Consumer new business proposals and reviewing existing Corporate credit facilities within Company authority levels.Ensure all corporate and consumer in-house financed contracts comply with company policy and procedures.Co-ordinate exception reports on effectiveness of underwriting policy, conduct periodic industry sector reviews, reporting exceptions, analysis and delinquencies to Credit ManagerControl and… Show more Carry out investigation and relevant research on potential Corporate and Consumer new business proposals and reviewing existing Corporate credit facilities within Company authority levels.Ensure all corporate and consumer in-house financed contracts comply with company policy and procedures.Co-ordinate exception reports on effectiveness of underwriting policy, conduct periodic industry sector reviews, reporting exceptions, analysis and delinquencies to Credit ManagerControl and monitor effectiveness of Company Consumer Scoring Systems.Timely reporting of matters material to company performance to Credit Manager.To support the ethos of professionalism, team spirit and innovation. Show less

Bristol, United Kingdom

• Enter all Purchase Invoice details and employee expenses into accounting system as quickly and accurately as possible.• Match all Purchase Invoices against their respective PO where necessary• Follow up and resolve any subsequent queries or anomalies with this matching process• Ensure all purchase invoices are approved in line with standard approvals limits, and chase approvals where necessary• Resolve queries from suppliers and employees independently and confidently by… Show more • Enter all Purchase Invoice details and employee expenses into accounting system as quickly and accurately as possible.• Match all Purchase Invoices against their respective PO where necessary• Follow up and resolve any subsequent queries or anomalies with this matching process• Ensure all purchase invoices are approved in line with standard approvals limits, and chase approvals where necessary• Resolve queries from suppliers and employees independently and confidently by phone, email, and face to face• File all invoices and other paperwork in the right place on a regular basis• Complete statement reconciliations for sign off by the Purchase Ledger Manager to achieve this aim• Preparation of journal upload in Atlas for Excel for all large invoices, especially VISA, Vodafone, and Expotel• Meet all KPIs set by the Manager including statements recs, posting and scanning Show less

Advise and sell electrical items such as televisions, laptops, desktop PC’s, cameras and satellite navigation systems. Sell and advise customers on warranties and finance payment schemes.Continued learning at sales academy, which includes team building and learning new information for future products.

Cima

Part CIMA qualified - CIMA Dip MA Currently Studying F2, the final module on Management Level

Bachelor'S Degree, Business Accounting, 2Nd Class

Accounting and finance year 1: Fundamentals of Accounting 1 Economic Principles in a Contemporary Context Becoming an Accounting.

Level 3, Accountancy, Pass

Level 2 + 3 AAT. AAT Qualified Bookkeeper.

Diploma, Credit Management, Pass

Level 3 ACICM - Accounting Principles, Business Environment, Business Law and Consumer Credit Management

Sas Programming 1: Essentials, Pass

Use SAS Studio and SAS Enterprise Guide to write and submit SAS programs. Access SAS, Microsoft Excel, and text data. Explore and validate.

Diploma, R01 - Financial Services, Regulation & Ethics, Pass

Diploma, R02 - Investmemt Principles And Risk, Pass

10 Gcse'S A-C

Activities and Societies: Rugby Team - National champions in year 9 Optional Statistics GCSE in year 10