Credit Analyst (Fund Solutions) in London

Investec is a distinctive Specialist Bank serving clients principally in the UK and South Africa. Our culture gives us our edge: we work hard to find colleagues who'll think out of the ordinary and we put them in environments where they'll flourish. We combine a flat structure with a focus on internal mobility. If you can bring an entrepreneurial spirit and a desire to learn and collaborate to your work, this could be the boost your career deserves.

About the team:

UK Senior Credit team which covers deals from the Fund Solutions (“FS”) team whose strategy is to provide debt financing to closed end private capital funds and fund managers throughout the life cycle of their funds in the UK, mainland Europe and the US.

What will I be doing?

• Credit process and deal management
• Participate in Senior and Executive Credit Committee meetings for Fund Solutions transactions
• Critically analyse & assess the merits of new deals presented by the front office desk to the UK Credit agenda
• Assess / document annual reviews, increases and/or amendments on existing loans
• Research counterparties, markets and/or products as required and provide detailed insight to Credit and Risk Management stakeholders as required
• Provide members of the UK Credit Committee with appropriate business, credit and financial analysis of proposed counterparties and transactions
• Present views on risks / rationale to support a transaction or otherwise to the team
• Write up decisions, outcomes and conditions that form part of the Credit Committee's view and recommendation
• Work with the Credit Administrators to facilitate an efficient Credit process, ensuring all required information is available to the Credit Committee for its decision-making, as well by documenting Credit Committee decisions (credit summaries & minutes)

Credit Portfolio Analytics

• Prepare deal summaries and transaction updates for credit reporting of the loan book to the board, rating agencies and other stakeholders
• Research and develop further analytical approaches to each portfolio (quantitative/qualitative)
• Be a key point of contact for Credit Reporting to ensure accuracy of reporting dashboards, ensuring they are in line with Risk Appetite & Senior Management requirements
• Actively participate in IRB model discussions and output required to deliver the project

What are we looking for?

• Finance Degree/ Qualified ACA or equivalent
• Significant experience in a similar role within banking / finance / accounting firms with exposure to credit and risk or transactions experience covering Fund Finance, or Leveraged Finance
• Proficient in reviewing financial statements, assessing company strength from a credit perspective, and identifying credit risks
• Working knowledge and understanding of various debt / equity / fund structures
• Capable of evaluating risk/reward in Fund Finance / debt or Leveraged Finance transactions
• Good understanding of the Private equity markets, trends and macroeconomic impacts
• Skilled in general credit analysis and adapting them as needed to the specific counterparty and product as required
• Interest in risk management
• Good MS Office knowledge

What attributes do I need to bring to the role?

• Excellent interpersonal and communication skills
• Ability to confidently analyse and summarise large volumes of information, presenting and writing clear and concise credit opinions
• Strong attention to detail and numerical skills with an ability to work independently
• Proactive and self-motivated
• Sense of commerciality and assessment of risk versus return
• Strong work ethic and integrity

As part of our collaborative & agile culture, our working week is 4 days in the office and one day remote.

Investec offers a range of wellbeing benefits to make our people feel healthier, balanced and more fulfilled in their lives inside and outside of work.

Here is a selection of what we offer;

• Wellbeing Subsidy, Corporate Gym Membership, Virtual GP, Peppy Health App (Fertility, Menopause and Early Parenthood), Optional Private Medical & Dental Insurance
• Non-contributory Pension & Discretionary Bonus
• Life Assurance, Critical Illness & Income Protection
• Season Ticket Loan & Electric Vehicle Scheme

Embedded in our culture is a sense of belonging and inclusion. This creates an environment in which everyone is free to be themselves which helps to drive innovation, creativity and ultimately business performance. At Investec we want everyone to find it easy to be themselves, and to feel they belong. It’s a responsibility we all share and is integral to our purpose and values as an organisation.