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- Tasks: Join a dynamic team to analyse and manage credit underwriting for innovative lending solutions.
- Company: Leading provider of Asset Based Lending in the UK with a focus on innovation.
- Benefits: Market-leading salary, comprehensive benefits, and opportunities for professional growth.
- Why this job: Make a real impact in the finance sector while developing your analytical skills.
- Qualifications: Experience in credit analysis and strong analytical skills required.
- Other info: Mentorship opportunities and a collaborative work environment await you.
The predicted salary is between 43200 - 72000 £ per year.
Senior Credit Analyst – Asset Based Lending – LondonA fantastic opportunity has arisen to join one of the UK\’s most innovative providers of Asset Based Lending solutions as a Senior Credit Analyst.
This technical role requires a dedicated credit specialist to work closely with the Risk & Compliance Team to support and manage the credit underwriting process for new deal opportunities. You will be responsible for the due diligence process and providing constructive challenge to deal structuring.
Key Responsibilities
Work as part of a deal team to progress proposals through the credit process.
Attend prospect meetings as required to enable thorough due diligence.
Liaise with, and have oversight of, 3 rd party due diligence providers as required.
Detailed review of client models to check the integrity, logic and consistency of integration between P&L, Cash Flow and Balance Sheet. Highlighting inconsistencies, errors or higher risk areas with the deal team.
Validate the prospects approach to forecasting, identifying KPI\’s and model drivers, ensuring model outputs are consistent with expectations.
Based on due diligence, and the information provided, analyse, interrogate and interpret in detail the prospective clients\’ background, management team, assets, financial results, business plan and financial forecasts.
Use this to identify and mitigate potential risks and run appropriate sensitivity analysis.
Assist the deal team with constructing, and the modelling of, an appropriate suite of financial and operational covenants
Prepare detailed reports on all elements of due diligence for submission to credit committee, or inclusion in the credit application.
Work alongside the sales team to prepare Credit Committee applications.
Attend Credit Committee and respond to any questions as appropriate.
Follow up on requests from Credit Committee.
Document and maintain detailed and accurate records of all of the above.
Once approved, liaise with the new business and operations teams to engage 3 rd party counsel to prepare and negotiate facility / security documentation.
Attend as required calls / meetings in relation to legal negotiations, and feedback / obtain approval for document amendments as appropriate.
Oversee pre-commencement conditions and conditions precedent in conjunction with sales and operations.
Following completion ensure a detailed handover to portfolio / operations and ensure all the relevant documents are filed as required.
Credit Process
Oversee the credit process to ensure all the relevant steps are completed.
Liaise with Davidson Kemper in relation to Credit Committee calls / meetings.
Ensure that all credit submissions are complete and all relevant documents are submitted in good time to enable informed credit decisions.
Take or arrange minutes of all credit committees to provide a detailed audit trail of credit decisions and requests.
Other
Work alongside the MD of Risk and Operations Team to develop and maintain credit related policies, procedures and documentation.
Make suggestions for process improvement and, if formally agreed, be part of the implementation team.
Act as a mentor to less experienced team members. Identify opportunities to raise knowledge and awareness.
Maintain and develop an appropriate network of professionals and other business contacts.
Attend and take part in training courses as agreed.
The successful candidate will be rewarded with a market leading salary and benefits package.
For more information about this role or any of our vacancies call 01625 522 774 or email jobs@m2recruit.co.uk.
M2 Professional Recruitment ServicesTel: 01625 522 774Fax: 01625 523 377jobs@m2recruit.co.ukwww.m2recruit.co.uk
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Senior Credit Analyst – Asset Based Lending – London employer: Business Money Promotions Ltd
Contact Detail:
Business Money Promotions Ltd Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Analyst – Asset Based Lending – London
✨Tip Number 1
Network like a pro! Reach out to your connections in the finance and lending sectors. Attend industry events or webinars where you can meet potential employers or colleagues. Remember, it’s all about who you know!
✨Tip Number 2
Prepare for interviews by researching the company and its recent projects. Be ready to discuss how your skills as a Senior Credit Analyst can add value to their Asset Based Lending solutions. Show them you’re not just another candidate!
✨Tip Number 3
Practice your pitch! You never know when you’ll meet someone who could help you land that dream job. Have a concise summary of your experience and what you bring to the table ready to go.
✨Tip Number 4
Don’t forget to apply through our website! We’ve got loads of opportunities waiting for you. Plus, it’s a great way to ensure your application gets seen by the right people.
We think you need these skills to ace Senior Credit Analyst – Asset Based Lending – London
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Senior Credit Analyst role. Highlight your experience in credit analysis, due diligence, and any relevant financial modelling skills. We want to see how your background aligns with our needs!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about Asset Based Lending and how your skills can contribute to our team. Keep it concise but impactful – we love a good story!
Showcase Your Analytical Skills: In your application, don’t forget to showcase your analytical skills. Mention specific examples where you've identified risks or improved processes. We’re looking for someone who can dig deep into data and provide insights.
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It helps us keep track of your application and ensures you don’t miss out on any important updates. Plus, it’s super easy!
How to prepare for a job interview at Business Money Promotions Ltd
✨Know Your Numbers
As a Senior Credit Analyst, you'll need to demonstrate your understanding of financial models and metrics. Brush up on key performance indicators (KPIs) and be ready to discuss how you would validate a client's forecasting approach during the interview.
✨Master the Due Diligence Process
Familiarise yourself with the due diligence process and be prepared to explain how you would approach it. Think about examples from your past experience where you identified risks or inconsistencies in financial data and how you addressed them.
✨Engage with the Deal Team
Show that you can work collaboratively by discussing how you would interact with the deal team. Prepare to share your thoughts on how to construct financial covenants and what steps you would take to ensure all credit submissions are complete.
✨Be Ready for Technical Questions
Expect technical questions related to credit analysis and risk management. Brush up on your knowledge of asset-based lending and be prepared to discuss how you would handle specific scenarios, such as sensitivity analysis or responding to Credit Committee queries.
