Credit Analyst

3 weeks ago


City of London Greater London, United Kingdom cer Financial Full time

City of London

Permanent

cer Financial are working alongside an exciting Financial Services company who are based in the City of London. They are seeking a Credit Analyst /Portfolio Analyst – Infrastructure/Project Finance to work with them on a permanent basis.

My client issues bonds into the market to raise money to lend for infrastructure projects. They need someone with advanced excel and modelling skills.

The Responsibilities of a Portfolio Administrator Will Include:

  • Continuously monitor the development of individual portfolio transactions, perform Market/Sector research and analysis and inform management as well as client of any material developments on a portfolio of (mostly) performing loans.
  • Regular (at least annual) analysis of key risks including financial risk, operational risk, off- taker/supplier/ guarantor risk, country/regulatory risk and market risk.
  • Preparation of robust and concise internal credit papers
  • Review/update of cash flow models.
  • Prepare internal ratings.
  • Preparation of client off colour and watch-list reports discussing trends, remedies, progress, future loan amendments and provide advice regarding possible exit strategies.
  • Analyse, evaluate and comment on drawdown requests and transaction related financial, technical and legal reporting provided by borrowers and/or advisors.
  • Ensure timely covenant tracking with adequate recording in relevant system (CreditHub/ DocVault/Task Manager)
  • Prepare appropriate Excel sensitivity analysis for transactions.
  • Discuss/negotiate waiver requests, early repayments and restructurings (with senior assistance) with borrowers/agents and other external/internal parties.
  • Where required, discuss/negotiate necessary credit and collateral documentation and ensure that all documentation and decisions required are correctly prepared, communicated and processed,
  • Maintain electronic credit files for respective deals, ensuring key documents have been saved before submission of approval requests,
  • Contribute to regular and ad hoc reporting requests from management, the client and its auditors on the portfolio, the sector and specific deals,
  • Provide input to internal reports (e.g. internal surveillance lists etc.)
  • Liaise pro-actively and effectively with different client departments for the respective portfolio.
  • Support marketing efforts as and when required (e.g. preparation of presentation materials, scope definitions, Request for Proposals, capacity calculations etc.)
  • Provide services in relation to 3rd party client portfolios as detailed under (future) service level agreements.
  • Support dedicated unit in diligence/onboarding of new portfolios.

The Successful Portfolio Administrator Will Have:

  • Banking / University degree (honours)
  • Advanced excel and modelling skills.
  • Must have established previous working experience with a proven track record in a related credit / risk/asset management environment involving infrastructure and energy project finance.
  • Good understanding of both project and corporate finance with a solid background in and knowledge of credit risk drivers and risks inherent in the respective borrower industry sectors.
  • Solid analytical and technical skills and ability to understand complex loan documentation and financing structures and ability to convey technical (modelling) concepts to both technical practitioners and third parties.
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