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Credit Analyst

Posted 22 February by MERJE Ltd Easy Apply Ended

A fast growing P2P lender is looking to add a Credit Analyst to its team. The ideal candidate should share the same entrepreneurial mindset that is a common theme throughout the business. The company is made up of a core group of professionals who have learned "on the job" supporting the senior management team.

The Role

The Credit Analyst will join the credit team to onboard UK based SME’s looking to borrow working capital for their business. The Analyst will collate the necessary financial information and take the Client through the credit process.

Core Responsibilities

  • Liaise with Director to complete handover of the client to the credit team
  • Review and understand the commercial papers prepared by the Director
  • Analyse client information of the clients past financial performance
  • Understand the Clients relationships with their Customers
  • Analyse the Churn data of the Client customer base
  • Review the relevant security requirements that the loan will be leveraged against
  • Review a sample of Client contracts with their Customers
  • Obtain market knowledge of the sector that the Client is operating in
  • Test and review the Client financial model through the relevant Credit application tools
  • Review insurance documents which the Client may have in place
  • Analyse background information of the management team
  • Prepare a Credit Paper with summary and conclusion of the Borrowing requirements, for review by the Head of Credit
  • Prepare Credit Presentation for the Credit Committee
  • Communicate with the Regional Director throughout the Credit Analysis of the Client
  • Debrief with the Regional Director following the Credit Committee decision
  • Assist Loan Management in preparing the project for the platform

Preferred Qualifications / Experience

  • Credit team entry level starting salary with a regular review
  • Training: There is a significant 'leap’ required in learning what we do. You will learn a lot on the job. Specific training will be given on key skills as they are required e.g. Financial, Telephony, Sales
  • We encourage the undertaking of professional exams (where the qualification is in line with the job role). We believe in investing in our own people and those people growing
  • Working hours are between Monday to Friday, 9am-5.30pm;
  • 20 days holiday, plus 8 bank holidays
  • For each year worked at the business you will receive an extra day’s holiday, this is capped after 5 years of Employment

Required skills

  • Investment Banking
  • Liquidity Risk
  • Risk
  • Risk Management

Reference: 33923021

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