Credit Specialist
Posted Today by Aspect Resources
£500 Per day
Inside
Remote
London
Summary: The Credit Specialist role involves analyzing the financial and non-financial strengths of applicant businesses, providing debt advice, and supporting credit analysis processes. The position requires collaboration with a lead Credit Specialist and the Lending Operations team to ensure successful transaction execution. This is a remote position with occasional in-person meetings in Swindon or London. The contract duration is six months with an inside IR35 status.
Key Responsibilities:
- Analyzing the financial and non-financial strength of applicant businesses.
- Engaging with applicants to source additional information for credit analysis.
- Producing sensitivity analysis for transactions and overall portfolio.
- Presenting recommendations to the Credit Committee on application outcomes.
- Working with the Lending Operations team to execute approved transactions.
- Providing ad hoc support with workflow management and document processing.
Key Skills:
- Strong background in Credit Risk.
- Experience in a banking/lending environment.
- Ability to assess creditworthiness of businesses.
- Proficient in analyzing financial statements and performing sensitivity analysis.
- High level of accuracy in reviewing legal and financial documentation.
- Experience working cross-functionally with teams such as Lending Operations, Legal, or Compliance.
Salary (Rate): £500/day
City: London
Country: United Kingdom
Working Arrangements: remote
IR35 Status: inside IR35
Seniority Level: undetermined
Industry: Finance
Job Title: Credit Specialist
Location: Remote (Swindon or London, 2 or 3 times in the 6 months)
Contract Duration: 6 Months
Daily Rate: £500/day (Umbrella)
IR35 Status: Inside IR35
Minimum Requirement:
- Banking Experience
- Lending Experience
- Private sector
- Being able to provide debt advice to customers
Origination – working with a lead Credit Specialist:
- 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.
- Based on your analysis, presenting recommendations to the Credit Committee alongside the lead Credit Specialist on the outcome of the application, deal structure and conditionality.
- 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.
Experience Required:
- 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
Disability Confident
As a member of the disability confident scheme, CLIENT guarantees to interview all candidates who have a disability and who meet all the essential criteria for the vacancy. In cases where we have a high volume of candidates who have a disability who meet all the essential criteria, we will interview the best candidates from within that group.
Armed Forces Covenant
CLIENT is proud to support the Armed Forces Covenant and as such, we guarantee to interview all veterans or spouses / partners of military personnel who meet all the essential criteria for the vacancy. In cases where we have a high volume of ex-military candidates / military spouses or partners, who meet all of the essential criteria, we will interview the best candidates from within that group. If you qualify for the above, please notify us on (phone number removed).
We will be in touch to discuss your suitability and arrange your Guaranteed Interview.
Should you require reasonable adjustments at any point during the recruitment process or if there is a more accessible way for us to communicate, please do let me know.
To apply for this role please submit your latest CV or contact Aspect Resources on (phone number removed)