Origination Analyst

Rothesay is the UK’s largest pensions insurance specialist, purpose-built to protect pension schemes and their members’ pensions. With over £70 billion of assets under management, we secure the pensions of more than one million people and pay out, on average, approximately £300 million in pension payments each month.

Rothesay is dedicated to providing excellence in customer service alongside prudent underwriting, a conservative investment strategy and the careful management of risk. We are trusted by the pension schemes of some of the UK’s best known companies to provide pension solutions, including British Airways, Cadbury, the Civil Aviation Authority, the Co-Operative, Morrisons, Smiths Industries and Telent. At Rothesay, we are striving to transform our industry. We believe deeply in creating real security for the future and our leadership in finding new and better ways to do that is the key to our success. To do that, we need the very brightest original thinkers to bring creativity as well as rigour. Rothesay is a rewarding place to work, where quality people can thrive and prosper. We pride ourselves on the connections our people build, many of whom have been with us for over ten years.

Job title: Origination Analyst

Reports to: Asset Origination Manager

Job Responsibilities:

Deal evaluation

1. Conduct detailed credit analysis and underwriting of lending opportunities including identification and assessment of risks and running scenario analyses.
2. Propose loan structures and covenant packages appropriate for a given deal. Propose appropriate loan pricing supported by relative value analysis.
3. Build dynamic financial models to analyse investment opportunities, test assumptions and run sensitivities.
4. Prepare detailed investment committee papers which concisely present the opportunity, clearly identify and assess the risks of the deal and present appropriate loan and internal metrics for consideration.
5. Participate in presentation of investment committee papers to committee of senior decision makers.
6. Liaise with internal (primarily credit and quantitative teams) and external parties (primarily brokers, borrowers, researchers etc) required to complete the analysis on a potential deal and prepare investment committee papers.

Deal execution

1. Support the closing of loan transactions.
2. Review due diligence reports and robustly challenge assumptions and conclusions to ensure that the due diligence process has been thoroughly completed and potential risks identified.
3. Review and input into commercial aspects of the loan agreement and ensure that the loan document reflects commercially agreed position.
4. Prepare and participate in presentation of final credit committee papers incorporating final risk assessment and significant findings of due diligence.
5. Demonstrate strong commercial judgement and project management skills to assist in the management of internal parties involved in the loan execution process as well as 3rd party advisors and borrowers.

Skills and Experience Required:

Shortlisted candidates will be able to demonstrate large loan deal evaluation and execution experience in a top tier financial services firm, as evidenced by:

1. One to two years in a deal evaluation/execution role.
2. A 2:1 or equivalent degree from a leading university in a relevant highly quantitative degree such as mathematics, economics, finance, or related scientific area.
3. Excellent financial modelling skills with ability to build advanced models.
4. Familiarity with Bloomberg.
5. Investing in debt or hard assets with NPL / workout experience beneficial.
6. Strong prioritization, organization and time management skills.
7. Strong interpersonal and communication abilities.

Disclaimer

This position description is intended to describe the duties most frequently performed by an individual in this position. It is not intended to be a complete list of assigned duties, but to describe a position level. The role shall be performed within a professional office environment. Rothesay has health and safety polices that are available for all workers upon request. There are no specific health risks associated with the role.

Inclusion

Rothesay actively promotes diversity and inclusivity. We know that our success depends on our people and that by nurturing a culture that values difference, we create a stronger, more dynamic business. We welcome applications from all qualified candidates, regardless of race, colour, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability or age.

The collection of applicant diversity data allows Rothesay to map and gain insights into the impact of our DEI strategy for talent attraction. This data is anonymised and is not analysed against individual applications. By requesting mapping our applicants’ demographic profiles, we can identify the under-represented groups. This enables us to identify any barriers to increasing our diversity and take action.

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