Associate / Senior Assocaite - Portfolio Monitoring

Short description of role

lending) teams and will be expected to have strong understanding of financial statements

including important lending and credit risk metrices.

Job Responsibilities :

Creditworthiness analysis of borrowers including financial analysis industry and sector research.

Drafting detailed credit reports with key takeaways on the purpose; report has to be concise easy to read for credit risk to review and comment

Identifying setting and monitoring deal specific covenants which can act as early warning signals during the life of the loan

Developing and maintaining detailed financial model (in Excel) comprising transaction details financial statement analysis projections ratio & variance analysis key performance indicators credit metrics amongst others

Conducting sensitivity analysis for stress testing on loans for serviceability

Regular interaction with key stakeholders and clients to discuss for eg. borrower

requirements and performance data gaps inconsistencies analytical frameworks loan servicing etc.

• Strong financial analysis skills thorough understanding of accounting / financialconcepts including financial statements variance analysis and assessment of key credit risk metrices and covenants
• Ability to draft credit reports
• Strong communication skills (oral and written) in English.
• Proficient in use of Excel handling linked worksheets able to handle complex models.
• Personal drive (proactive) flexible creative (thinks out of the box) result driven responsible curious team player fast learner and willing to take ownership of tasks and deliverables.
• Hands on attitude willing / capable to understand the big picture.
• Ability to succeed in a culture where change and speed are part of daily work.

About Us

Were OakNorth Bank and we embolden entrepreneurs to realise their ambitions understand their markets and apply data intelligence to everyday decisions to scale successfully at pace.

Banking should be barrierfree. Its a belief at our very core inspired by our entrepreneurial spirit driven by the unmet financial needs of millions and delivered by our datadriven tools.

And for those who love helping businesses thrive Our savings accounts help diversify the high street and create new jobs all while earning savers some of the highest interest on the market.

But we go beyond finance to empower our people encourage professional growth and create an environment where everyone can thrive. We strive to create an inclusive and diverse workplace where people can be themselves and succeed.

Our story

OakNorth Bank was built on the foundations of frustrations with oldschool banking. In 2005 when our founders tried to get capital for their data analytics company the computer said no. Unfortunately all major banks in the UK were using the same computer and it was broken.

Why was it so difficult for a profitable business with impressive cashflow retained clients and clear commercial success to get a loan

The industry was backwardlooking and too focused on historic financials rather than future potential.

So what if there was a bank founded by entrepreneurs for entrepreneurs One that offered a dramatically better borrowing experience for businesses

No more what ifs OakNorth Bank exists.

Required Experience :

Senior IC

Key Skills

Project / Program Management,Project Portfolio Management,Portfolio Management,Credit Analysis,Banking,Pricing,Analysis Skills,Project Management,Financial Analysis,Budgeting,Property Management,Contracts

Employment Type : Full-Time

Experience : years

Vacancy : 1