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SME and Corporate Loan Analyst

Location: London Salary: Negotiable
Sector: Corporate & Professional Services Type: Permanent
Contact: Oliver Jones Job Published: 8 days ago

SME and Corporate Loan Analyst, London

The analyst will primarily focus on the ongoing management and surveillance of SME and other corporate loan portfolios (secured and unsecured) of clients, ensuring compliance with policies, procedures and delivery within the relevant Service Level Agreements.

Key requirement is the ongoing and regular monitoring of the loan portfolio via i.a. the periodic management information, other financial information provided by the borrower, covenant performance information, but also via communication with the borrowers, including regular face-to-face meetings.

The Job:

  • Review of Management Information, monitoring of financial covenants as well as ongoing review of borrowers' e.g. cash position and working capital headroom, pipeline of contracts, aged debtors and creditors, other key performance indicators which are appropriate to monitor.
  • Ensure timely covenant tracking with adequate recording in relevant system.
  • Review of cash flow projections and business plans.
  • Review of legal documentation (incl. the facility agreements, any amendments, any subordination agreements and any reservations of rights letters).
  • Review of the borrower's corporate structure (incl. shareholding, identity and role of directors, debt structure and other liabilities (incl. any debentures, guarantees etc.)).
  • Review of security (incl. any guarantees) and related documentation (incl. any subordination agreements).
  • Lead the negotiation for any kind of waiver requests, early repayments and restructurings of payment schedules with borrowers and clients.
  • Preparation of watch-list reports incl. forward looking credit risk assessment, discussing trends and challenges of individual borrowers, provide advice regarding possible resolutions or exit strategies.
  • Maintain electronic credit files for respective deals, ensuring key documents have been saved before submission of approval requests (in accordance with client's guidelines and naming conventions) Surveillance and Reporting.

What we are looking for:

  • University degree and at least 3 years working experience in relevant field such as Corporate credit, risk or portfolio management.
  • High level of familiarity of MS Excel (ideally including VBA), Word, PowerPoint and/or other data processing and analysis tools.
  • Good understanding and knowledge of credit risk drivers and risks inherent in the respective borrower industry sectors.
  • Proven ability to analyse financial reports and provide concise and forward looking assessment of credit risks.
  • Ideally, a track record in negotiating loan restructurings (covenant resets, payment schedule amendments, fresh money injections) and the ability to improve results for client.
  • Good analytical and technical skills and ability to understand loan documentation, financing structures and financial models.
  • Comfortable in a client facing role and the ability to confidently present recommendations up to client's committee level.

On offer will be a joining salary of £55,000, and the opportunity of working as part an international financial services business who are in a strong position within the market and can provide you with a platform to grow and develop your skills further.

Services advertised by Gold Group are those of an Agency and/or an Employment Business.
We will contact you within the next 14 days if you are selected for interview. For a copy of our privacy policy please visit our website.

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