Credit Specialist

Aspect Resources; Remote; GBP 60,000 - 80,000; Full time

Job summary

A consulting firm is seeking a Credit Specialist for a 6-month contract. This remote role involves analyzing financial applications, supporting credit specialists, and ensuring compliance in lending operations. The ideal candidate has extensive experience in banking and credit risk analysis, able to engage effectively with applicants. A strong understanding of financial documents is essential. The daily rate is £500, with accommodation for reasonable adjustments during the recruitment process.

Qualifications

• Strong background in credit risk analysis and previous banking experience.
• Ability to assess creditworthiness and engage with applicants.
• Proven experience in analyzing financial documents with high accuracy.

Responsibilities

• Analyze financial strengths of applicant businesses and verify against sources.
• Engage with applicants to gather additional information.
• Support credit specialists by producing sensitivity analysis for transactions.

Skills

Banking Experience

Lending Experience

Credit Risk Analysis

Financial Statement Analysis

Job description

Job Title

Credit Specialist

Location

Remote (Swindon or London, 2 or 3 times in the 6 months)

Contract Duration

6 Months

Daily Rate

£500/day (Umbrella)

IR35 Status

Inside IR35

Minimum Requirement

• Banking Experience
• Lending Experience
• Private sector
• Being able to provide debt advice to customers

Origination working with a lead Credit Specialist

• Analysing the financial and non-financial strength of applicant businesses from information provided and verifying this against external sources where applicable, including sensitivity analyses, cashflow analysis and balance sheet tests.
• Engaging with applicants to source additional information to underpin your credit analysis.
• Supporting the Credit Specialists by producing sensitivity analysis, both at the level of the transaction and the overall portfolio.
• Based on your analysis, presenting recommendations to the Credit Committee alongside the lead Credit Specialist on the outcome of the application, deal structure and conditionality.
• Working alongside the Lending Operations team to move approved transactions through to execution, including quality assurance of legal documentation, satisfaction of conditions and perfection of security documentation.
• Ad hoc support with workflow management, scheduling and document processing to support deal flow.

Experience Required

• Strong background in Credit Risk
• Previous experience in a banking/lending environment
• Demonstrated ability to assess creditworthiness of businesses, preferably in a lending or financial services environment.
• Ability to engage with applicants to gather information and present clear, concise credit recommendations to internal stakeholders or committees.
• Proven experience in analysing financial statements, including cash flow, balance sheet, and income statement analysis, with the ability to perform sensitivity and scenario analysis.
• High level of accuracy in reviewing legal and financial documentation, ensuring compliance with conditions and security requirements.
• Experience working cross-functionally with teams such as Lending Operations, Legal, or Compliance to support deal execution

Disability Confident

As a member of the disability confident scheme, CLIENT guarantees to interview all candidates who have a disability and who meet all the essential criteria for the vacancy. In cases where we have a high volume of candidates who have a disability who meet all the essential criteria, we will interview the best candidates from within that group.

Armed Forces Covenant

CLIENT is proud to support the Armed Forces Covenant and as such, we guarantee to interview all veterans or spouses / partners of military personnel who meet all the essential criteria for the vacancy. In cases where we have a high volume of ex-military candidates / military spouses or partners, who meet all of the essential criteria, we will interview the best candidates from within that group.

If you qualify for the above, please notify us on (phone number removed).

We will be in touch to discuss your suitability and arrange your Guaranteed Interview.

Should you require reasonable adjustments at any point during the recruitment process or if there is a more accessible way for us to communicate, please do let me know.

To apply for this role please submit your latest CV or contact Aspect Resources on (phone number removed)