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
What the job involves
* As our Portfolio Credit Analyst, you'll be responsible for monitoring potential risk, performance and cash flow across our SME portfolio
* You’ll ensure adherence to our credit underwriting policy and procedures to drive profitable growth
* Reporting directly to our Chief Risk Officer, a key responsibility will be to provide data analysis of our client portfolio to help influence commercial business decisions
* As we’re in our build phase, you’ll work cross-functionally with Sales, Onboarding, and Customer Success teams to highlight any risk exposure and monitor portfolio performance, ultimately driving revenue
* 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
* Analyse and attribute portfolio performance
* Report detailed financial analysis of companies we work with, identifying key risks, undertaking market analysis, and calculating potential exposure based on the nature of the products sold and delivery fulfilment times
* Make recommendations to manage and mitigate risk
* Maintain 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
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