Senior Credit Officer
1 month ago
About Our Client
Our client is an independent direct lending platform that prides itself 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.
- Completing in-depth financial and non-financial analysis of potential borrowers.
- Determining the associated risks involved in granting a loan secured against assets in the renewables, offshore, and recycling sector.
- Attending credit meetings with potential borrowers and identifying key risks, strengths, and weaknesses.
- Carrying out market analysis of the sector, industry outlooks, target markets, and borrower's position.
- Being competent with financial modelling, preparing and presenting them, as well as comfortably giving overviews of structure, cash flow, collateral, etc.
- Providing recommendations based on your analysis and assessment of credit risk and presenting the deal to the Investment Committee.
- Engaging with external contacts such as solicitors and valuers.
The Successful Applicant
The successful candidate will:
- Be comfortable and confident leading credit processes, from engaging with potential borrowers to writing credit papers and presenting to the committee.
- Have experience lending to corporates and against assets such as machinery and plants, with a high-level overview of key risks for this type of lending.
- Possess strong financial modelling and analysis skills.
- Ideally have 8-10 years of solid credit experience and 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.
- Good autonomy in your role.
- The opportunity to take control of the credit underwriting process by being an SME within this function.
- The option to work in the London office full-time, or being located in Birmingham or Manchester, with the requirement to travel to the London office once or twice a month.
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