At a Glance
- Tasks: Analyse loan portfolios and influence lending decisions in a collaborative team.
- Company: Secure Trust Bank, a trusted specialist lender with over 70 years of experience.
- Benefits: Supportive culture, career growth opportunities, and a focus on inclusion.
- Other info: Join a diverse team that values curiosity, collaboration, and accountability.
- Why this job: Shape a new lending product and make a real impact on business performance.
- Qualifications: Experience in credit analysis or financial modelling; strong analytical skills.
The predicted salary is between 35000 - 45000 £ 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.
What You’ll Be Doing
- 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
- 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
What we’re looking for
We know great candidates don’t always meet every requirement. If you’re excited about the role, we encourage you to apply.
- Experience in credit analysis, financial modelling, or structured lending
- 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
It would be great if you also have:
- Exposure to speciality finance, private debt, or real estate finance
- Experience with SQL or data analysis tools
What makes you a great fit
- 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
- Shape something new – play a key role in launching and growing a new product
- Real impact – your work will directly influence lending decisions and business performance
- Supportive culture – we trust our people, encourage autonomy, and recognise great work
- Career growth – develop your skills in a specialist area with strong future opportunities
Our commitment to inclusion
At Secure Trust Bank, we’re committed to building a diverse and inclusive workplace where everyone feels they belong. We welcome applications from people of all backgrounds, identities, and experiences—regardless of age, disability, gender identity, ethnicity, religion, or sexual orientation. If you need any adjustments during the recruitment process, we’ll be happy to support you.
Credit Analyst, Speciality Finance employer: Secure Trust Bank
At Secure Trust Bank, we pride ourselves on fostering a supportive and inclusive work culture that empowers our employees to thrive. As a Credit Analyst in our Speciality Finance team, you will not only have the opportunity to influence lending decisions and contribute to innovative product development but also benefit from career growth in a collaborative environment that values curiosity and accountability. With over 70 years of expertise, we are committed to your professional development and recognise the impact of your contributions on our customers and the business.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Analyst, Speciality Finance
✨Tip Number 1
Network like a pro! Reach out to people in the finance industry, especially those working in credit analysis or speciality finance. A friendly chat can lead to insider info about job openings and even referrals.
✨Tip Number 2
Prepare for interviews by brushing up on your financial modelling skills. Be ready to discuss how you would analyse loan portfolios and manage risk. Show them you’re not just about numbers but also about making impactful decisions.
✨Tip Number 3
Don’t underestimate the power of follow-ups! After an interview, drop a quick thank-you email to express your appreciation. It keeps you fresh in their minds and shows your enthusiasm for the role.
✨Tip Number 4
Apply through our website! We’ve got loads of opportunities waiting for you, and applying directly can sometimes give you a leg up. Plus, it shows you’re genuinely interested in being part of our team.
We think you need these skills to ace Credit Analyst, Speciality Finance
Some tips for your application 🫡
Show Your Analytical Skills:Make sure to highlight your analytical mindset in your application. We want to see how you approach complex datasets and what insights you've drawn from them. Use specific examples to demonstrate your experience in credit analysis or financial modelling.
Tailor Your Application:Don’t just send a generic CV and cover letter! Tailor your application to reflect the skills and experiences that align with our job description. We love seeing candidates who take the time to connect their background with what we’re looking for.
Communicate Clearly:Since you'll be preparing credit papers and reports, clarity is key! Use straightforward language and structure your application well. We appreciate candidates who can communicate complex ideas effectively, so show us you can do that right from the start.
Apply Through Our Website:We encourage you to apply through our website for a smoother process. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates. Plus, it shows you’re keen on joining our team!
How to prepare for a job interview at Secure Trust Bank
✨Know Your Numbers
Brush up on your financial modelling skills and be ready to discuss how you would analyse loan portfolios. Secure Trust Bank is looking for someone who can interpret complex datasets, so be prepared to showcase your analytical mindset with examples from your past experience.
✨Show Your Curiosity
Demonstrate your proactive nature by asking insightful questions about the new structured lending product. This shows that you're not just interested in the role but also eager to contribute to its development and success within the Speciality Finance team.
✨Communicate Clearly
Practice explaining complex financial concepts in simple terms. Since you'll need to prepare high-quality credit papers and communicate performance insights, being able to articulate your thoughts clearly will set you apart from other candidates.
✨Emphasise Teamwork
Highlight your collaborative experiences during the interview. Secure Trust Bank values teamwork, so share examples of how you've worked effectively with others to achieve common goals, especially in high-pressure situations related to credit analysis or deal structuring.
