Credit Analytics (AVP/DVP)

OakNorth; United Kingdom; Remote; GBP 50,000 - 70,000; Full time

Job summary

A financial services firm in the UK is seeking a Financial Analyst to conduct detailed financial analyses and draft credit reports. You will work closely with clients and internal teams, applying your expertise to provide insights on loan opportunities and financial models. The ideal candidate has over 6 years of experience and strong communication skills to engage with stakeholders in the UK and US. This role offers a dynamic environment with a focus on proactive problem-solving.

Qualifications

• Relevant experience of 6+ years in financial analysis.
• Ability to interact with clients and stakeholders in the UK and/or US.
• Hands-on attitude to understand the bigger picture.

Responsibilities

• Conduct detailed analysis of loan opportunities across various sectors.
• Draft concise credit reports for review by credit and risk.
• Develop detailed financial models and conduct sensitivity analysis.
• Identify deal-specific covenants as early warning signals.

Skills

Strong financial analysis

Drafting credit reports

Communication skills

Proactive attitude

Ability to think creatively

Team player

Education

MBA/PGDM/CA/CFA from a reputed institute

Job description

The incoming resource will be expected to work on detailed financial models and draft credit reports. We are looking for candidates with strong financial analysis concepts & communication skills. The role may be either individual contributor or team lead working along with 2-4 analysts, depending on candidate’s experience and alignment with the team’s needs.

Job Responsibility

• Conducting detailed analysis of loan opportunities across various sectors in different geographies
• Drafting credit reports with key takeaways on opportunity; report has to be concise, easy to read format for credit and risk to review and comment.
• Developing detailed financial model comprising transaction details, financial statement analysis, projections, ratio analysis, credit metrics, amongst others
• Conducting sensitivity analysis on projections – for stress testing on loans for serviceability
• Identifying deal specific covenants which can act as early warning signals while monitoring loans.
• Detailed industry/market studies to understand operating environment of borrower.
• Interacting with clients to discuss data gaps, inconsistencies, analytical frameworks etc.

Desired Skills

• Strong financial analysis – thorough understanding of accounting / financial concepts
• Ability to draft credit reports.
• Relevant experience of 6+ years.
• Strong communication skills – interacting with Debt Directors, clients & other stakeholders in UK and/ or US.
• Personal drive (proactive), flexible, creative (thinks out of the box), result driven, responsible, curious, team player and fast learner.
• Hands on attitude, willing/capable to understand the big picture.
• Ability to succeed in a culture where change and speed are part of daily work.
• MBA/PGDM/CA/CFA from a reputed institute