Credit Risk Advisor

Job description

MKM is the leading independent builders’ merchant in the UK, and we were established in 1995. Our people are what make us unique in what we do. Today we have more than 149 branches and over 3300 employees nationwide. Whilst we continue to grow, we are constantly striving to always attract, recruit, retain, promote, and support a diverse mix of colleagues that create a sense of belonging to the ‘MKM family’ for everyone. We hope you will join us on our journey!

This role is 40 hours per week, based in our office in Hull.

Roles & Responsibilities

• Manage the Credit Risk inbox, responding to queries and providing guidance, support and best practice to branches and internal stakeholders.
• Support the Credit Managers with the day-to-day operation of the Credit Control and Accounts Administration teams, including providing cover during periods of absence.
• Assess new and existing customer accounts by analysing financial information, credit reports and trading history to determine appropriate credit limits and risk exposure.
• Monitor customer exposure, conduct regular reviews of high-value accounts and identify emerging financial or credit risks.
• Manage credit insurance requirements, liaising with insurers regarding customer exposures, insolvencies, policy compliance and risk events.
• Investigate adverse credit events including CCJs, insolvencies, administration notices and other indicators of financial distress, escalating significant risks where appropriate.
• Support branches with held orders, high-risk account decisions and exceptional credit requests, balancing commercial opportunities against risk.
• Ensure compliance with company credit policies, procedures and insurer requirements whilst maintaining accurate records and audit trails.
• Produce risk reports, exposure analysis and management information to support business decision making.
• Work closely with Credit Control, Legal and Accounts Administration teams to minimise bad debt exposure and support recovery activities.
• Identify trends in customer payment behaviour and recommend actions to reduce risk, improve collections and strengthen controls.
• Support projects, system developments, process improvements and the training and coaching of colleagues on credit risk and compliance matters

Benefits

• A competitive pay package.
• Generous discretionary bonus scheme
• Substantial staff discounts
• Training and development opportunities
• Holiday scheme which rewards length of service
• Holiday Purchase Scheme
• Perkbox discounts
• Contributory pension scheme
• Financial Planning Support
• Cycle to work scheme.
• Free parking
• Enhanced Maternity
• Enhanced Paternity
• Employee Assistance Programme
• Mental Health Support

Requirements

Key Skills & Experience

• Strong understanding of credit risk, credit assessment and accounts receivable.
• Experience interpreting credit reports and financial statements.
• Excellent analytical and decision-making skills.
• Strong communication and stakeholder management abilities.
• Experience using K8, CreditSafe, Debtors Workplace or similar credit management systems.
• Good attention to detail and ability to work within defined credit policies and controls.