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- Tasks: Analyse financial strength of businesses and provide insightful credit recommendations.
- Company: Join a supportive company committed to diversity and inclusion.
- Benefits: Competitive daily rate, remote work flexibility, and guaranteed interviews for veterans and disabled candidates.
- Why this job: Make a real impact in the lending sector while developing your analytical skills.
- Qualifications: Experience in banking and credit risk analysis is essential.
- Other info: Dynamic role with opportunities for professional growth and collaboration.
The predicted salary is between 50000 - 70000 £ per year.
Location: Remote (Swindon or London, 2 or 3 times in the 6 months)
Contract Duration: 6 Months
Daily Rate: £500/day (Umbrella)
IR35 Status: Inside IR35
Minimum Requirements:
- Banking Experience
- Lending Experience
- Private sector experience
- Ability to provide debt advice to customers
- Origination - working with a lead Credit Specialist
Responsibilities:
- Analysing the financial and non-financial strength of applicant businesses from information provided and verifying this against external sources where applicable, including sensitivity analyses, cashflow analysis and balance sheet tests.
- Engaging with applicants to source additional information to underpin your credit analysis.
- Supporting the Credit Specialists by producing sensitivity analysis, both at the level of the transaction and the overall portfolio.
- Based on your analysis, presenting recommendations to the Credit Committee alongside the lead Credit Specialist on the outcome of the application, deal structure and conditionality.
- Working alongside the Lending Operations team to move approved transactions through to execution, including quality assurance of legal documentation, satisfaction of conditions and perfection of security documentation.
- Ad hoc support with workflow management, scheduling and document processing to support deal flow.
Experience Required:
- Strong background in Credit Risk
- Previous experience in a banking/lending environment
- Demonstrated ability to assess creditworthiness of businesses, preferably in a lending or financial services environment.
- Ability to engage with applicants to gather information and present clear, concise credit recommendations to internal stakeholders or committees.
- Proven experience in analysing financial statements, including cash flow, balance sheet, and income statement analysis, with the ability to perform sensitivity and scenario analysis.
- High level of accuracy in reviewing legal and financial documentation, ensuring compliance with conditions and security requirements.
- Experience working cross-functionally with teams such as Lending Operations, Legal, or Compliance to support deal execution.
Disability Confident:
As a member of the disability confident scheme, CLIENT guarantees to interview all candidates who have a disability and who meet all the essential criteria for the vacancy. In cases where we have a high volume of candidates who have a disability who meet all the essential criteria, we will interview the best candidates from within that group.
Armed Forces Covenant:
CLIENT is proud to support the Armed Forces Covenant and as such, we guarantee to interview all veterans or spouses/partners of military personnel who meet all the essential criteria for the vacancy. In cases where we have a high volume of ex-military candidates/military spouses or partners, who meet all of the essential criteria, we will interview the best candidates from within that group.
If you qualify for the above, please notify us.
How to Apply:
To apply for this role please submit your latest CV or contact Aspect Resources. We will be in touch to discuss your suitability and arrange your Guaranteed Interview. Should you require reasonable adjustments at any point during the recruitment process or if there is a more accessible way for us to communicate, please do let me know.
Credit Specialist in City of Westminster employer: Aspect Resources
Contact Detail:
Aspect Resources Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Specialist in City of Westminster
✨Tip Number 1
Network like a pro! Reach out to your connections in the banking and lending sectors. A friendly chat can lead to insider info about job openings or even a referral, which can give you a leg up in the application process.
✨Tip Number 2
Prepare for interviews by brushing up on your credit analysis skills. Be ready to discuss your experience with financial statements and how you've assessed creditworthiness in past roles. We want to see your analytical prowess shine!
✨Tip Number 3
Showcase your soft skills! Being able to engage with applicants and present clear recommendations is key. Practice articulating your thought process and how you collaborate with teams like Lending Operations and Legal.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we’re all about making the process as smooth as possible for you, so take advantage of that!
We think you need these skills to ace Credit Specialist in City of Westminster
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your banking and lending experience. We want to see how your background aligns with the Credit Specialist role, so don’t be shy about showcasing relevant skills and achievements!
Showcase Your Analytical Skills: Since the role involves analysing financial statements and performing sensitivity analyses, we recommend including specific examples of your analytical work. This will help us see your expertise in action!
Engage with the Job Description: Read through the job description carefully and use similar language in your application. This shows us that you understand the role and can communicate effectively, which is key for a Credit Specialist.
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it makes the process smoother for everyone involved!
How to prepare for a job interview at Aspect Resources
✨Know Your Numbers
As a Credit Specialist, you'll need to be comfortable with financial statements. Brush up on your cash flow, balance sheet, and income statement analysis. Be ready to discuss how you would perform sensitivity analyses and present your findings clearly.
✨Engage with Confidence
You'll be interacting with applicants to gather information, so practice your communication skills. Think about how you can ask the right questions to get the necessary details for your credit analysis. Show that you can engage effectively and build rapport.
✨Understand the Process
Familiarise yourself with the lending process and how credit recommendations are presented to committees. Be prepared to explain how you would support the Credit Specialists and work cross-functionally with teams like Lending Operations and Legal.
✨Showcase Your Experience
Highlight your background in credit risk and any relevant banking or lending experience during the interview. Prepare specific examples of how you've assessed creditworthiness and ensured compliance with conditions in previous roles.
