At a Glance
- Tasks: Analyse data, influence lending decisions, and shape a new structured lending product.
- Company: Join Secure Trust Bank, a trusted specialist lender with over 70 years of experience.
- Benefits: Enjoy a supportive culture, career growth opportunities, and the chance to make a real impact.
- Other info: We value diversity and welcome applicants from all backgrounds.
- Why this job: Be part of a collaborative team and help launch an innovative financial product.
- Qualifications: Experience in credit analysis or financial modelling, strong Excel skills, and analytical mindset.
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
- You’ll play a key role in understanding and shaping loan portfolio performance, supporting deal execution, and ensuring we manage risk effectively.
- Deep dive into data & risk
- 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
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. You’ll likely bring:
- 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
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
- A relevant qualification (e.g. ACA, CFA) or equivalent experience
What makes you a great fit
We’re not just looking for technical skills—we’re looking for people who align with how we work:
- 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
Why join us?
- 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: V12 Retail Finance
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 shape innovative lending products but also benefit from career growth in a collaborative environment that values your contributions. With a commitment to recognising great work and providing autonomy, we ensure that every team member can make a real impact while developing their skills in a dynamic financial landscape.
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 who work at Secure Trust Bank. A friendly chat can open doors and give you insights that might just help you land that Credit Analyst role.
✨Tip Number 2
Prepare for interviews by diving deep into the world of structured lending. Brush up on your financial modelling skills and be ready to discuss how you’d analyse loan portfolios. Show us you’re not just about numbers but also about making an impact!
✨Tip Number 3
Don’t underestimate the power of follow-ups! After an interview, drop a quick thank-you note. It shows your enthusiasm and keeps you fresh in the minds of the hiring team. Plus, it’s a great chance to reiterate why you’re the perfect fit for the role.
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, you’ll find all the latest roles and updates there, so keep checking back for new opportunities in our Speciality Finance 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 data and risk, so share examples of how you've tackled complex datasets or financial modelling in the past.
Tailor Your CV and Cover Letter:Don’t just send a generic CV! Tailor it to reflect the skills and experiences that align with the Credit Analyst role. We love seeing candidates who take the time to connect their background with what we’re looking for.
Be Clear and Concise:When writing your application, clarity is key. Use straightforward language to communicate your ideas and experiences. We appreciate well-structured applications that are easy to read and understand.
Apply Through Our Website:We encourage you to apply directly through our website. It’s the best way to ensure your application gets to us quickly and efficiently. Plus, you’ll find all the details you need about the role there!
How to prepare for a job interview at V12 Retail Finance
✨Know Your Numbers
Before the interview, brush up on your financial modelling skills and be ready to discuss specific examples of how you've used Excel for cashflow forecasting or scenario analysis. Secure Trust Bank is looking for someone who can dive deep into data, so being able to talk about your experience with complex datasets will really impress them.
✨Show Your Curiosity
Demonstrate your analytical mindset 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 understand how you can contribute to shaping it. Prepare a few thoughtful questions that reflect your curiosity about their approach to risk management and portfolio performance.
✨Communicate Clearly
Practice explaining complex financial concepts in simple terms. During the interview, you'll need to convey your ideas clearly, especially when discussing credit assessments or due diligence. Think of examples where you've had to present financial information to non-financial stakeholders and how you made it accessible.
✨Emphasise Teamwork
Secure Trust Bank values collaboration, so be sure to highlight your experiences working in teams. Share examples of how you've contributed to shared success in previous roles, particularly in credit analysis or structured lending. This will show that you align with their culture and are ready to work collaboratively in their forward-thinking team.
