Job description
J2986 - Our client is seeking a Senior Credit Analyst, Structured Finance to deliver timely commercially balanced credit recommendations within stated credit parameters to colleagues / credit committee. You will focus on large ticket structured transactions which will typically be between £2.5m and £30m.
Salary: Excellent salary, bonus and benefits. Location: UK, Gtr London (Hybrid)
KEY RESPONSIBILITIES:
Obtain and analyse financial, asset, market, legal and contractual information.
Prepare structured financial analysis via ratio and peer group comparison, etc, understanding the risks surrounding types of assets funded and the ability to realise assets.
Generate and evaluate financial ratios, using internal tools, to evaluate a customer’s financial status.
Prepare credit application reports as a sound basis for decision-making by senior risk officers and risk committee.
Attend end user meetings / calls to complete due diligence and help support the sales process on large / complex transactions.
Advise, prepare and participate in local risk committees when appropriate.
Internal and regulatory Compliance e.g. KYC; ensure regulatory compliance at transaction level.
Review / assessment / approval of new suppliers / intermediaries.
Annual reviews of suppliers and participation (as required) in supplier dashboard / portfolio reviews including annual large exposure reviews.
Provide advisory guidance to commercial teams on risk policy / procedures and work with the wider Credit Management team on the creation / revision of these policies / processes.
Support process improvement, using lean approach.
PERSON SPECIFICATION:
At least 5 years’ experience of underwriting / analysing transaction in a wide range of sectors within either a banking or asset finance business.
Experience in analysing and executing large value structured transactions of between £2.5m and £30m particularly in the Direct Sector when dealing with the end user customer.
Experience of working closely with Relationship/Account Managers in Sales teams and helping them to structure large deals, identifying key risks within a deal and structure accordingly to mitigate these risks.
We strongly favour applicants with proven, relevant experience in Financial Services; particularly in Asset Finance and Leasing.
Applicants will only be considered with relevant in-country experience.