Credit Analyst

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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