Credit Analyst

Matchpoint Recruitment (UK) Ltd
London, United Kingdom
15 Nov 2022
26 Nov 2022
Job Function
Industry Sector
Finance - General
Employment Type
Full Time
Principle Responsibilities
  • Work closely with the Deal Team on Investment Memorandums for new clients and providing credit and structuring guidance on deals
  • Responsible for ensuring Annual Reviews and Interim Reviews are completed for existing clients, in line with internal reporting guidelines
  • Provide recommendations to the Investment Committee ("IC") for new and existing clients and attend the weekly IC Meeting
  • Monitor covenant compliance for clients and ensure financial reporting is received in line with agreed terms
  • Prepare monthly Expected Credit Loss calculations on the various programmes and provide insight into how the portfolios are evolving on a month-to-month basis (including any material changes in credit risk)
  • Actively monitor late paying loans (if any) and escalate to senior management where necessary.
  • In line with the Investment policy, the Credit Analyst is to act as a first line of defence in the business.
  • Resolve queries received from both internal and external stakeholders in a timely manner, escalating where appropriate.
  • Work closely with colleagues across all other functions to maintain a cohesive team ethos and ensure team pull in same direction.
  • Prepared and able to support new projects and initiatives that have Credit related aspects.

Qualifications, skills, and experience required.
  • Bachelor's degree in Business Studies, or related subject
  • Minimum 3 experience as a Credit Analyst in a Bank, Investment Fund, or Nonbank Lender
  • A strong understanding of company financial statements and International Financial Reporting Standards (IFRS).
  • Proficiency with Excel and financial modelling/ratios
  • Strong communication skills, with the ability to present well-structured credit papers to the Investment Committee.
  • A good understanding of the geographical markets in which the Company operate - which currently includes the UK & Europe, the Middle East, and Southeast Asia. The Company are also looking to build their client base in the Americas, hence a knowledge of this market would also be beneficial.
  • A strong appreciation of risk management and the ability to suggest risk mitigants where required
  • Ambition and keenness to be part of a young organisation with aspirations to become a major player in the non-bank lending space
  • An ability to articulate clearly and concisely when communicating to colleagues, clients, and other stakeholders.
  • The ability to be a self-starter and take initiative
  • Strong interpersonal skills
  • Good knowledge of Commodities in general.
  • Previous experience in Receivables Finance is highly desirable
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