Credit process and deal management (80%)
• The role will require the incumbent to have a proven track record in leveraged finance and a general knowledge of a broad range of lending activity from SME lending to corporate lending and private client lending.• Participate in Credit Committee meetings for corporate and leveraged finance transactions, with a view to progressing to become a voting member for these committees.• Analyse, assess, and give critical feedback to senior originators on their risk analysis and deal structure, prior to formal submission to credit committee.• Manage and present requests on the UK Credit agendas from the front office desk.• Assess and record annual reviews, increases and/or amendments to existing loan facilities. • Provide members of the Credit Committee with appropriate business, credit and financial analysis of proposed counterparties and transactions.• Present summaries of transaction structures, showing a balanced view of the risks and rationale for the relevant transactions.• Research counterparties, markets and/or products as required and provide detailed insight to Credit and Risk Management stakeholders, as required.• Ensure that the strategic direction of the exit remains appropriate, and make recommendations where timelines, and deadlines are not being met.• Write up decisions, outcomes and conditions that form part of the Credit Committee's view and recommendation.• Work with the Credit Administrators to facilitate an efficient Credit process, ensuring all required information is available to the Credit Committee for its decision-making, as well by documenting Credit Committee decisions (credit summaries & minutes).
Credit Portfolio Analytics (20%)
• Prepare deal summaries and transaction updates for credit reporting of the loan book to the board, rating agencies and other stakeholders.• Research and develop further analytical approaches to each portfolio (quantitative/qualitative).• Be a key point of contact for Credit Reporting to ensure accuracy of reporting dashboards, ensuring they are in line with Risk Appetite & Senior Mgt. requirements. NoCurrent / Intended /Not applicable (please circle)
Customer CF30 □ Other □ (please specify) CF
If CF 30, specify the underlying function (list here):• Educated to strong undergraduate degree level at a minimum.• Good credit transactions experience from a previous role.
•Do you have a good understanding of various debt / equity structures, and risk reward factors for leveraged finance transactions?• Knowledge of market standard leverage finance transactions as well as the customary terms & conditions.• Knowledge of general credit analysis techniques, adapting them as necessary to the specific counterparty and product as required.• Knowledge of relevant accounting standards and keeping aware of changes therein. As well as having up to date regulatory knowledge. • Good knowledge of MS Office.• Working knowledge of Bloomberg and/or other financial research and portfolio management tools.
Skills and how they are applied
• Sense of commerciality and assessment of risk versus return.• Good, up to date regulatory knowledge. • Strong numerical, written and verbal reasoning skills.• Excellent teamwork, good interpersonal skills, and communication skills.• Financial analysis skills / ability to interpret financial statements & cash flow forecasts and make a judgement.• The ability to write an informed credit assessment and opinion for a transaction to be submitted to Credit Committee.• Strong attention to detail, ability to work independently, ensure error free work output and the ability to conduct a deep level of research and analysis on own initiative.
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