At a Glance
- Tasks: Analyse borrower financials and build bespoke Excel models to assess risk.
- Company: Fast-growing London-based private credit fund with a dynamic team.
- Benefits: Gain real responsibility, direct exposure to decision-makers, and develop underwriting expertise.
- Other info: Collaborative office culture with opportunities for personal growth and learning.
- Why this job: Shape capital deployment decisions and work in an entrepreneurial environment.
- Qualifications: 2-5 years’ experience in private credit or structured finance is preferred.
The predicted salary is between 60000 - 80000 £ per year.
Equifind are delighted to be partnering with a fast-growing London-based specialist private credit fund deploying capital across SME cashflow, asset backed, real estate, forward flow and platform lending strategies. To succeed in this role, you will be a technically strong Associate who wants to build real underwriting expertise, not just process deals. Your analysis will directly shape capital deployment decisions within a small, high performing team.
WHAT MAKES THIS ROLE DIFFERENT
- Direct exposure to decision-makers in a 12-person team
- Genuine modelling responsibility from day one
- Real responsibility in shaping lending recommendations
- Exposure across multiple asset classes
- Entrepreneurial environment without institutional bureaucracy
THE ROLE
- Analysing raw borrower financials and loan tapes (often large, unstructured, and imperfect)
- Building bespoke Excel models from first principles to assess risk
- Identifying inconsistencies and challenge borrower supplied assumptions
- Constructing default curves, vintage analysis and roll-rate matrices
- Modelling SME cashflow coverage and covenant headroom
- Assessing platform underwriting methodologies where borrowers are onward lending
- Assessing probability of default using quantitative and qualitative factors
- Translating analysis into clear credit recommendations
- Drafting concise internal credit papers
- Interacting with origination channels (e.g. brokers) in the sourcing and filtering of deal flow
- Supporting in relationship management and monitoring post investment
TECHNICAL EXPECTATIONS
- Building complex Excel models from a blank workbook
- Handling large loan level datasets (20k + rows)
- Constructing vintage, cumulative default and roll-rate analysis
- Designing multi-scenario stress cases
- Reconciling inconsistencies in borrower data
- Applying different analytical frameworks depending on asset class
- Using advanced Excel functions (pivot tables, XLOOKUP/INDEX-MATCH, SUMIFS, dynamic modelling logic)
IDEAL BACKGROUND
- 2–5 years’ experience in:
- Private credit
- Structured or specialty finance
- Asset-backed lending
- Loan portfolio analysis
- Structured products
- Experience across multiple credit types is highly attractive.
CULTURE & ENVIRONMENT
- Analytical and performance driven
- Entrepreneurial rather than institutional
- Flat in structure with high ownership
- Office based to maximise collaboration
You will work closely with senior team members and develop practical credit judgment across a broad range of transactions.
ABOUT YOU
- Enjoy building rather than operating
- Intellectually curious about risk
- Comfortable making decisions with imperfect data
- Thinks independently rather than relying on templates
- Can switch analytical frameworks between consumer style portfolio modelling and SME cashflow underwriting
- Is commercially aware (not purely academic)
Private credit associate employer: Trades Workforce Solutions
Equifind is an exceptional employer for those seeking to thrive in the dynamic world of private credit. With a flat structure and a high-performance culture, employees enjoy direct exposure to decision-makers and genuine responsibility from day one, fostering both personal and professional growth. Located in London, the company offers a collaborative environment where analytical minds can flourish, making it an ideal place for individuals eager to shape lending strategies across diverse asset classes.
Contact Details:
Trades Workforce Solutions Recruitment Team
StudySmarter Expert Advice🤫
We think this is how you could land Private credit associate
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Trades Workforce Solutions. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Private credit associate
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Trades Workforce Solutions.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Trades Workforce Solutions's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Trades Workforce Solutions
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Trades Workforce Solutions.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Trades Workforce Solutions will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Trades Workforce Solutions employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
