The Role:
As our Portfolio Credit Analyst you'll be responsible for monitoring potential risk, performance and cash flow across our SME portfolio. You’ll make sure we adhere to our credit underwriting policy and procedures to drive profitable growth. Reporting directly to our Chief Risk Officer, a key responsibility will be for you to provide the data analysis of our client portfolio to help us influence commercial business decisions.
As we’re in our build phase you’ll be working cross functionally with Sales, Onboarding, and Customer Success and our Sales teams to highlight any risk exposure and monitor portfolio performance, ultimately driving revenue.
Key Responsibilities:
* Work closely with the Chief Risk Officer to analyse individual client and portfolio performance.
* Monitor customer liquidity and behaviour to help identify risk exposure across the business, looking closely for leading indicators.
* Support new business opportunities, improving our product proposition, completion of request-for-proposal documentation in addition to providing broad support to sales teams.
* Analysing and attributing portfolio performance.
* Reporting detailed financial analysis of companies, we work with, identifying key risks, undertaking market analysis, and calculating potential exposure based on nature of the products sold and delivery fulfilment times.
* Make recommendations to manage and mitigate risk.
* Maintaining long-term strategic relationships and influence with appropriate stakeholders, both internally and externally.
* You’ll also have the opportunity to support the CFO and the finance team by working with our capital markets partners
Key Requirements:
* 1 - 2 years previous experience working in investment banking, consulting or similar, either in a front office or credit risk role.
* Excellent Microsoft Excel skills. Financial modelling experience preferred.
* Strong quantitative, analytical and presentation skills, with excellent attention to detail.
* Curious individual with strong critical thinking skills who enjoys problem-solving.
* Planning and organisational skills and problem-solving ability.
* Excellent communication skills.
* The ability to be flexible, decisive, and quick-thinking.
* Understanding of portfolio construction, trading, or risk management techniques is preferred.
* Capacity to work independently as well as part of a team and be able to deal with pressure.