​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​J2986 - Our client is seeking a Senior Credit Analyst, Structured Finance to deliver timely 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 £2.5m and £30m.

Salary: Excellent salary, bonus and benefits. Location: UK, Gtr London (Hybrid)

KEY RESPONSIBILITIES:

• Obtain and analyse financial, asset, market, legal and contractual information.

• Prepare structured financial analysis via ratio and peer group comparison, etc, understanding the risks surrounding types of assets funded and the ability to realise assets.

• Generate and evaluate financial ratios, using internal tools, to evaluate a customer’s financial status.

• Prepare credit application reports as a sound basis for decision-making by senior risk officers and risk committee.

• Attend end user meetings / calls to complete due diligence and help support the sales process on large / complex transactions.

• Advise, prepare and participate in local risk committees when appropriate.

• Internal and regulatory Compliance e.g. KYC; ensure regulatory compliance at transaction level.

• Review / assessment / approval of new suppliers / intermediaries.

• Annual reviews of suppliers and participation (as required) in supplier dashboard / portfolio reviews including annual large exposure reviews.

• Provide advisory guidance to commercial teams on risk policy / procedures and work with the wider Credit Management team on the creation / revision of these policies / processes.

• Support process improvement, using lean approach. 

PERSON SPECIFICATION:

• At least 5 years’ experience of underwriting / analysing transaction in a wide range of sectors within either a banking or asset finance business.

• Experience in analysing and executing large value structured transactions of between £2.5m and £30m particularly in the Direct Sector when dealing with the end user customer.

• 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. 

We strongly favour applicants with proven, relevant experience in Financial Services; particularly in Asset Finance and Leasing.

Applicants will only be considered with relevant in-country experience.