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Senior Credit Officer (Asset based lending)

London Permanent View Job Description
An opportunity for a experienced credit analyst to join a growing direct lending platform and be a key figure within their sustainable asset based lending business.
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  • You will be leading the credit analysis of UK SME's
  • Based in London, or possibly Manchester / Birmingham

About Our Client

Our client are an independent direct lending platform who pride themselves on providing long term capital solutions to SMEs and middle market companies.

Job Description

In brief you will be responsible for:

  • taking ownership of the underwriting process for prospective borrowers
  • complete in-depth financial & non-financial analysis of potential borrowers
  • determine the associated risks involved in granting a loan secured against assets in the renewables, offshore and recycling sector
  • Attend credit meetings with potential borrowers and identify key risks, strengths and weaknesses
  • Carry out market analysis of the sector, industry outlooks, target markets and borrower's position
  • Be competent with financial modelling, preparing and presenting them aswell as comfortably giving overviews of structure, cash flow, collateral etc
  • Provide recommendations based on your analysis and assessment of credit risk and present the deal to the Investment Committee.
  • Engage with external contacts such as solicitors and valuers



The Successful Applicant

The successful candidate in brief:

  • Should be comfortable and confident leading a credit processes, from engaging with the potential borrowers, to writing credit papers and then presenting to committee
  • Experience of lending to corporates, and also of lending against assets such as machinery and plants - and having a high level overview of key risks for this type of lending
  • Strong financial modelling and analysis skills
  • Ideal candidates will have 8-10 years solid credit experience, and should have a background working in a non-bank or alternative lender within the UK
  • Have a solid understanding of deal structuring and documentation

What's on Offer

  • Working very closely with Senior stakeholders
  • Having good autonomy of your role
  • The opportunity to take control of the credit underwriting process by being an SME within this function
  • Having the opportunity to work in the London office full time, OR being located in Birmingham or Manchester, and working remotely with the requirement to travel to the London office once or twice a month.
Contact
Nicola Mcguane
Quote job ref
JN-102024-6574378
Phone number
+44 207 776 5927

Job summary

Job function
Banking & Financial Services
Subsector
Debt / Structured Finance
Sector
Financial Services
Location
London
Contract type
Permanent
Consultant name
Nicola Mcguane
Consultant phone
+44 207 776 5927
Job reference
JN-102024-6574378