Description
We are seeking a Senior Analyst to join our Credit Analytics team at OakNorth. As a Senior Analyst, you will be responsible for conducting detailed loan analysis across various sectors and geographies. You will build financial models, draft concise and well-structured credit reports, conduct sensitivity and stress testing, and engage directly with clients to discuss data and analytical frameworks.
Responsibilities
- Conduct detailed analysis of loan opportunities across various sectors and geographies, developing a thorough understanding of each borrower's business and operating environment.
- Draft concise, well-structured credit reports with clear key takeaways for Credit and Risk to review and comment on.
- Build detailed financial models covering transaction details, financial statement analysis, projections, ratio analysis, and credit metrics.
- Conduct sensitivity analysis and stress testing on projections to assess loan serviceability under adverse scenarios.
- Identify deal-specific covenants that can serve as early warning signals for loan monitoring purposes.
- Conduct detailed industry and market studies to understand the operating environment of borrowers.
- Interact with clients to discuss data gaps, inconsistencies, and analytical frameworks; liaise with Debt Directors and other UK stakeholders throughout the credit process.
Requirements
- 1-3 years of relevant experience in credit analysis, financial analysis, or a related role within financial services.
- Strong financial analysis skills with a thorough understanding of accounting and financial concepts, including the ability to build and interrogate detailed financial models.
- Proven ability to draft clear, concise, and well-reasoned credit reports for senior stakeholders.
- Strong communication skills with confidence interacting with Debt Directors, clients, and other stakeholders across geographies.
- A proactive, results-driven mindset , curious, flexible, hands-on, and comfortable operating at pace in an environment where change is part of daily work.
Nice to Have
- MBA, PGDM, CA, or CFA from a reputed institute.
- Experience conducting industry or market studies across multiple sectors.
- Prior exposure to covenant structuring or loan monitoring frameworks.
What We Offer
- Comprehensive medical cover for you, your family, and parents, along with life and accidental insurance cover at a multiple of your salary.
- Annual health check-ups, online doctor consultations, pharmacy discounts, nutritionist support, and Employee Assistance Program (EAP) services , all sponsored by OakNorth.
- Earned leave, casual/sick leave, public holidays, maternity leave, and paternity leave.
- Financial support for important life events such as marriage, childbirth, and bereavement.
- Tax-efficient allowances for internet, fuel, meals, leave travel, and National Pension System (NPS) contributions.
- Support for professional certifications, learning and development opportunities, childcare benefits, and paid volunteering days.
- Modern, centrally located offices, weekly business updates, team events, and great coffee.