Senior Credit Analyst

JR United Kingdom; London Borough of Harrow; Hybrid; GBP 75,000 - 80,000; Full time

Job summary

A prestigious funder in South East England is seeking a Senior Credit Analyst for their Structured team. The role involves managing credit applications, preparing reports, and collaborating with various departments. This position offers excellent benefits, including a competitive salary and opportunities for career progression.

Benefits

Excellent Bonus

Market leading pension scheme

Private healthcare

Qualifications

• At least 5 years’ experience of underwriting/analysing transactions in asset finance.
• Experience in analysing large structured transactions between £1m and £30m.
• Individual lending authority of at least £500k.

Responsibilities

• Manage and process credit applications, including balance sheet analysis.
• Prepare Credit Application Reports and make decisions regarding credit applications.
• Monitor and advise on credit and risk profiles across departments.

Skills

Credit Analysis

Financial Ratios

Risk Management

Communication

Problem Solving

Job description

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Senior Credit Analyst – Structured Asset Finance

South East England - Hybrid

Salary c£75,000-£80,000 plus Bonus and excellent Benefits

James George Recruitment are working with a prestigious Funder based in the South-East that is looking to recruit a Senior Credit Analyst for their Structured team.

As a Senior Credit Analyst, you will deliver timely and 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 £1m and £30m in size.

Key responsibilities:

• Independent management and processing of credit applications, including balance sheet analysis, generating and evaluating financial ratios, using internal tools to evaluate a customer’s financial status, while adhering to internal and external regulations.
• Prepare Credit Application Report, make decisions regarding credit applications of local end customers, vendors, or resellers within own credit authority, as well as preparation and recommendation of credit requests for higher-level decision-making, including committee level.
• Gather information about customers/suppliers, using internal systems and processes, verifying their completeness and currency.
• Monitor, coordinate and advise on credit and risk profiles, corporate and external policies, regulations and sales mandates, in collaboration with the various departments involved.
• Prepare structured financial analysis via ratio and peer group comparison, understanding the risks surrounding types of assets funded and the ability to realise assets.
• Contribute to the development of local policies and regulations on credit and risk management.
• Find workable solutions to closing new business opportunities.
• Work closely with colleagues across the business – Sales, Collections, Asset Management, Legal and Operations.
• Identify ways in which credit processes can be improved to deliver efficiencies and implement changes.
• Assist sales and deal negotiations by undertaking site visits to vendors and customers.
• Have a good understanding of compliance requirements in the UK.
• At least 5 years’ experience of underwriting / analysing transactions in a wide range of sectors within asset finance.
• Have experience in analysing and executing large value structured transactions between £1m and £30m.
• Have had an individual “2 eye” lending authority of at least £500k
• Have experience in funding both hard and soft assets
• Be proactive and well-prepared in risk and credit matters.
• Possess knowledge of the key systems and processes related to risk and credit management.
• Have excellent communication skills.
• Have 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.

This is a great opportunity to join a highly regarded business in their field, where career progression opportunities are actively encouraged. A superb range of benefits such as an excellent Bonus, market leading pension scheme, private healthcare and many more.

Please contact Adam Sommerville at James George Recruitment to discuss this opportunity in more detail.