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Credit Analyst

Posted 17 April by Chamberlain Career Management Limited Easy Apply Ended

Position: Credit Analyst

Location: Warrington, Cheshire UK

Our client is a leading, London-based fintech firm, focusing solely on monetising future cashflows and providing early funding to suppliers. They believe that technology and financial innovation can be used to make funding cheaper and more readily available to everyone, from multinational businesses to SMEs.

The team is grown rapidly with offices in Europe, North America and Australia. Our client is also an active investor, utilising its own balance sheet as well as that of its German based subsidiary bank. As well as holding assets, the team actively distributes assets to a wide range of investors from asset managers to pension funds to global banks.

The ideal candidate will be comfortable working in a highly dynamic, flat and entrepreneurial environment. You will have the ability to think on your feet and act independently but know when to ask questions and seek guidance.

Key job activities:

  • Counterparty assessment - analysing counterparties’ credit worthiness via credit data, financial statements, and systems to determine the degree of risk involved in extending credit, and to recommend appropriate credit limits and/or credit structures;

  • Credit control - regular periodic renewal and continuous monitoring of counterparty status, and anticipation and management of breaches and exceptions;

  • Credit portfolio reporting - preparing credit portfolio reports that include the degree of risk involved in extending credit, general risk and ad hoc reporting; and

  • Counterparty maintenance - developing and maintaining relationships with counterparties and/or third-party introducers.

Qualifications:

  • Degree level education. Finance or numerate subject preferred.

Skills:

  • Understanding of the key elements of Credit Risk Management with an emphasis on credit assessment in a working capital or commercial banking environment;

  • Experience of commercial lending and credit assessment, along with general knowledge of large industry sectors and their risks;

  • Ability to produce accurate credit papers and reports within tight deadlines;

  • Understanding of risk reports (e.g. Value at Risk, Economic Capital) and their role within corporate governance; and

  • Fluent in English. Other European language skills would be a benefit.

Competencies:

  • Excellent computer skills. Advanced Excel, Word, and PowerPoint, with a strong knowledge of finance and statistical analysis capabilities, and financial modelling;

  • Strong analytical skills with the ability to communicate effectively at all levels;

  • Outstanding writing and visual communication skills, with strong attention to detail;

  • Ability to work in a multicultural environment and across multiple time zones;

  • Strong desire and ability to learn new skills;

  • Pro-active in achieving results;

  • Drive and desire to contribute as part of a successful team and cope with rapid business growth; and

  • Able to build productive working relationships with Front, Middle and Back offices.

Experience:

  • Minimum three years’ experience as a Credit Analyst either within a large bank or financial institution.

What our client can offer:

  • Competitive salary and benefits - base salary of £35-45k PA; matching pension up to 20% total contribution; life cover; private medical; childcare vouchers and cycle scheme

  • Outstanding performance compensation - up to 50% of base salary (paid twice yearly)

  • Casual workplace environment; and

  • Outstanding opportunity for advancement in a rapidly growing, global firm.

Required skills

  • Commercial Lending
  • Credit Analysis
  • Credit Risk
  • Commercial Banking
  • supply chain finance

Reference: 33980301

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