At a Glance
- Tasks: Analyse data to influence lending decisions and contribute to a new structured lending product.
- Company: Secure Trust Bank, a trusted specialist lender with over 70 years of experience.
- Benefits: Competitive salary, professional development, and a collaborative work environment.
- Other info: Join a curious, proactive team focused on innovation and customer success.
- Why this job: Shape the future of finance while making a real impact on customers and businesses.
- Qualifications: Experience in credit analysis and strong Excel skills required.
The predicted salary is between 40000 - 50000 € per year.
At Secure Trust Bank, we've spent over 70 years helping customers and businesses achieve their ambitions. Today, we're building the next chapter—combining deep financial expertise with a modern, digitally enabled approach to become the UK's most trusted specialist lender. We're now launching a new structured lending product within our Speciality Finance team—and we're looking for an analytical, curious, and driven individual to help shape it from the ground up.
This isn't just a role where you'll analyse data—you'll influence lending decisions, help manage risk, and contribute to the growth of a new product in a collaborative, forward‑thinking team.
Responsibilities- Analyse loan portfolios, borrower profiles, and performance trends
- Identify patterns, risks, and opportunities within complex datasets
- Develop early warning indicators to flag emerging issues
- Build impactful financial models
- Create and maintain robust Excel models for cashflow forecasting and stress testing
- Model structured lending scenarios, including cashflow waterfalls and sensitivities
- Support deal structuring, pricing, and portfolio optimisation
- Support lending decisions
- Contribute to credit assessments and due diligence
- Prepare clear, high‑quality credit papers for stakeholders
- Support transactions from initial evaluation through to completion
- Monitor and communicate performance
- Produce insightful reporting with clear commentary and recommendations
- Track key metrics, covenants, and portfolio health
- Help ensure documentation is accurate, consistent, and audit‑ready
- Experience in credit analysis, financial modelling, or structured lending
- Strong Excel skills (e.g. cashflow modelling, scenario analysis)
- Confidence working with financial data and interpreting financial statements
- A sharp analytical mindset and attention to detail
- The ability to communicate complex ideas clearly and effectively
- Exposure to speciality finance, private debt, or real estate finance
- Experience with SQL or data analysis tools
- A relevant qualification (e.g. ACA, CFA) or equivalent experience
- Curious & proactive – you ask questions and look for better ways of doing things
- Collaborative – you value teamwork and shared success
- Accountable – you take ownership and follow through
- Customer‑focused – you understand the impact of your work on real people and businesses
- Risk aware – you balance opportunity with sound judgement
Credit Analyst in City of Westminster employer: Secure Trust Bank Ltd
At Secure Trust Bank, we pride ourselves on fostering a dynamic and inclusive work environment where innovation thrives. As a Credit Analyst, you'll not only engage in meaningful financial analysis but also play a pivotal role in shaping new lending products alongside a collaborative team. With a strong emphasis on employee development and a commitment to customer-focused solutions, we offer a unique opportunity to grow your career in the heart of the UK's financial landscape.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Analyst in City of Westminster
✨Tip Number 1
Network like a pro! Reach out to people in the finance industry, especially those at Secure Trust Bank. A friendly chat can open doors and give you insights that a job description just can't.
✨Tip Number 2
Prepare for interviews by diving deep into the company’s values and recent projects. Show us how your analytical skills can contribute to our new structured lending product—make it personal!
✨Tip Number 3
Practice your financial modelling skills before the interview. We love seeing candidates who can confidently discuss cashflow forecasting and stress testing—so brush up on those Excel tricks!
✨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 always on the lookout for curious and proactive individuals like you!
We think you need these skills to ace Credit Analyst in City of Westminster
Some tips for your application 🫡
Tailor Your CV:Make sure your CV reflects the skills and experiences that match the Credit Analyst role. Highlight your analytical mindset, Excel prowess, and any relevant experience in credit analysis or financial modelling. We want to see how you can contribute to our team!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're excited about the role and how your background aligns with our mission at Secure Trust Bank. Be sure to mention your curiosity and proactive approach—qualities we value highly.
Showcase Your Analytical Skills:In your application, don’t just say you’re analytical—prove it! Include examples of how you've used data to influence decisions or identify risks in previous roles. We love seeing real-world applications of your skills!
Apply Through Our Website:We encourage you to apply directly through our website for the best chance of getting noticed. It’s the easiest way for us to keep track of your application and ensure it reaches the right people. Plus, it shows you’re serious about joining our team!
How to prepare for a job interview at Secure Trust Bank Ltd
✨Know Your Numbers
As a Credit Analyst, you'll be knee-deep in data. Brush up on your financial modelling skills and be ready to discuss how you've used Excel for cashflow forecasting or scenario analysis in the past. Bring examples of your work to the interview to showcase your analytical prowess.
✨Understand the Business
Get familiar with Secure Trust Bank's mission and the new structured lending product. Research their approach to speciality finance and think about how your skills can contribute to their goals. This shows you're not just interested in the role, but also in the company’s vision.
✨Prepare for Scenario Questions
Expect questions that test your analytical thinking and risk assessment abilities. Prepare to discuss how you would identify patterns in loan portfolios or develop early warning indicators. Practising these scenarios will help you articulate your thought process clearly during the interview.
✨Communicate Clearly
You’ll need to explain complex ideas simply, so practice summarising your past experiences and technical knowledge. Use clear, concise language when discussing your previous roles and how they relate to the responsibilities of the Credit Analyst position. This will demonstrate your ability to communicate effectively with stakeholders.
