Credit Risk Specialist

2 weeks ago

London, United Kingdom Public Sector Resourcing Full time

On behalf of UKRI, we are looking for a Credit Risk Specialist Inside IR35 for a 6 month contract based Hybrid working (Remote with occasional meetings in Swindon or London office and remaining WFH)
UK Research and Innovation (UKRI) is the national funding agency investing in science and research in the UK.
UKRI invests £8 billion of taxpayers’ money each year into research and innovation and the people who make it happen. They work across a huge range of fields - from biodiversity conservation to quantum computing, and from space telescopes to innovative health care. They give everyone the opportunity to contribute and to benefit, bringing together people and organisations nationally and globally to create, develop and deploy new ideas and technologies.
The main duties and responsibilities of the Credit Risk Specialist would be:

- Analysing the financial and non-financial strength of applicant businesses from information provided and verifying this against external sources where applicable, including sensitivity analyses, cashflow analysis and balance sheet tests.
- Engaging with applicants to source additional information to underpin your credit analysis.
- Supporting the Credit Specialists by producing sensitivity analysis, both at the level of the transaction and the overall portfolio.
- Working alongside the Lending Operations team to move approved transactions through to execution, including quality assurance of legal documentation, satisfaction of conditions and perfection of security documentation.
- Ad hoc support with workflow management, scheduling and document processing to support deal flow.

**Essential**:

- Strong background in Credit Risk
- Previous experience in a banking/lending environment
- Demonstrated ability to assess creditworthiness of businesses, preferably in a lending or financial services environment.
- Ability to engage with applicants to gather information and present clear, concise credit recommendations to internal stakeholders or committees.
- Proven experience in analysing financial statements, including cash flow, balance sheet, and income statement analysis, with the ability to perform sensitivity and scenario analysis.
- High level of accuracy in reviewing legal and financial documentation, ensuring compliance with conditions and security requirements.
- Experience working cross-functionally with teams such as Lending Operations, Legal, or Compliance to support deal execution

Please be aware that this role can only be worked within the UK and not Overseas.
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