Job description

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  • Location:
    London - 30 Gresham Street
  • Department:
    Operations (UK)
  • Division:
    IBP Business Enablement
  • Employment Type:
    Full time
  • Salary:
    Competitive

Credit Servicing Analyst (6419)

Investec is a distinctive Specialist Bank serving clients principally in the UK and South Africa. Our culture gives us our edge: we work hard to find colleagues who'll think out of the ordinary and we put them in environments where they'll flourish. We combine a flat structure with a focus on internal mobility. If you can bring an entrepreneurial spirit and a desire to learn and collaborate to your work, this could be the boost your career deserves.

Embedded in our culture is a sense of belonging and inclusion. This creates an environment in which everyone is free to be themselves which helps to drive innovation, creativity and ultimately business performance. At Investec we want everyone to find it easy to be themselves, and to feel they belong. It's a responsibility we all share and is integral to our purpose and values as an organisation.

Research shows that some candidates can be reluctant to apply to a role unless they meet all the criteria. We pride ourselves on our entrepreneurial spirit here and welcome you to do the same – if the role excites you, please don't let our person specification hold you back. Get in touch!

Team description:

This role involves the management of many different aspects of credit servicing/ administration including, but not limited to, Credit Gatekeeping of Lending Limits and Structures, monthly reporting of Expired Loans, Bi-monthly reporting of Arrears which includes input and preparation of IFRS09 and requires the ability to review and forecast the implications of movements within these processes.

Whilst the core responsibilities are listed below, Credit systems and processes constantly evolving and the development/implementation of these changes will form a part of the role, in addition to day to day responsibility.

Description of role and key responsibilities

This role will be responsible for


1. Executing the operational process around the monthly capture for expected credit loss (ECL) for IFRS9 and staging allocations.

2. Forbearance Management, Monitoring and Reporting

3. Responsible for creating and sending reports to Business, Credit and Management

4. Monitor and capture arrears/ excess/ Recoveries for lending transactions

5. Proactive approach to arrears forecasting, highlighting high risk loans

6. Responsible for aspects of monthly/ mid-month reporting cycles for Credit, Financial Control and Regulatory Reporting to enable production of the monthly ADR pack.

7. Query Management in relation to Credit related issues

8. Monitoring Margin call breaches

9. Responsible for deal activity and ongoing structure maintenance sources entirely from the Credit Structure/ Sanctioned minute so a knowledge of credit minutes is essential

10. Writing and maintenance of procedure manual pertaining to the above

 

Technical Knowledge:

• Forbearance knowledge

• Familiar with IFRS9

• Credit/Risk/Recovery background

• Excel - VLOOKUP, Pivots

• Ability to understand and interpret Credit Minutes

Core skills and knowledge

Skills:

• Act with integrity at all times and embrace the philosophy of treating our customers fairly (compulsory)

• Analytical mind set

• Attention to detail
• Organised and methodical approach to tasks and ability to multitask

• Communication

• Numerate

• Able to handle difficult situations when there is a conflict of opinion
• Enthusiasm; must be a self a starter and have proactive approach

Any other attributes that would be helpful, but not essential for the role.

Understanding of IT systems and processes

This role description accurately reflects the key responsibilities and associated skills, knowledge and attributes required for to perform this role at this time. It is the responsibility of the employee

and manager, to update this profile, (and store against the employee's record), as responsibilities, required skills and knowledge changes.


 
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Location
London - 30 Gresham Street
30 Gresham Street, London, England, GB, EC2V 7QN
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Meet the recruiter

Jess Sheehan

LinkedIn

We commit to ensure that everyone is fairly assessed during our recruitment process.

Let us know if you need any reasonable adjustments to complete your application.

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Benefits

Pension
Private Medical Cover
Virtual GP
Gym Discounts
Psychologist Service
Annual Leave
Life Assurance
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