Analyst (Credit Finance) Full Time NEW

Gold Group

Analyst / Senior Analyst (Credit Finance), London

c 55,000 – c 65,000 + Health Care, Pension, Discreationary Bonus

Structured lending team in London are in the market to recruit a credit experienced Analyst or Senior Analyst with strong Excel modeling skills.

We are looking for someone with the following experience:-

• Strong analytical background with experience in credit analysis, financial modelling, cashflow forecasting, structured lending?
• Advanced Excel modelling (cashflow modelling, scenario analysis, sensitivities, debt/equity structuring)?
• Experience assessing loan portfolios, real estate assets, or SME/mid-market borrowers?
• Have the ability to interpret financial statements, management accounts, and borrower data?

If you have all of the above, this may well be a great time to join this bank who are looking for someone with your experience.

About the role:

• You will play a key analytical role in evaluating loan pool performance, assessing credit risk, building financial models, and supporting end-to-end transaction execution.
• This role is ideal for an analytically strong candidate with experience in credit analysis, financial modelling, cashflow forecasting, and portfolio monitoring.
• Conduct detailed credit assessment of loan portfolios, financial statements, cashflow trends, servicing data, and delinquency metrics.
• Build early warning indicators and monitoring frameworks to identify emerging risks within the pool.
• Build and maintain sophisticated Excel-based financial models to support back book assessment and forward cashflow analysis with appropriate stress test scenarios.
• Develop cashflow waterfalls for various pool structures and test sensitivities under multiple macroeconomic and performance assumptions.
• Modelling will need to support debt sizing, portfolio optimisation, and transaction economics.
• Conduct or support credit reviews for counterparties and underlying borrowers.
• Support the preparation of high-quality credit papers.
• Support end-to-end transaction execution including due diligence, structuring, internal approvals, and closing processes.
• Produce regular reporting packs with performance commentary, KPI tracking, covenant compliance, and risk metrics.
• Evaluate pool-level and loan-level (typically via cohort and vintages) data to support proactive risk management and re-underwriting.

If you are exploring the market, like the sound of the above and meet the criteria of what the role requires, please click on the Apply Button today.

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