Junior Portfolio Analyst
@Simon Blau posted 5 months ago in Risk Shortlist Email JobJob Detail
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Job ID 39965
Job Description
Junior Portfolio Analyst
Private Corporate Debt and SME Lending
City of London
Permanent
£50,000
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cer Financial are working alongside an exciting Financial Institution who are based in the City of London. They are seeking a Junior Portfolio Analyst work with them on a permanent basis.
The Responsibilities of an junior Portfolio Analyst Will Include:
- Review of Management Information, monitoring of financial covenants as well as ongoing review of borrowers’ e.g. cash position and working capital headroom, pipeline of contracts, aged debtors and creditors, other key performance indicators which are appropriate to monitor
- Ensure timely covenant tracking with adequate recording in relevant system
- Review of cash flow projections and business plans
- Preparation of robust and concise internal credit papers (credit review, waivers/amendments) according to agreed formats and in a timely manner for review by line manager to obtain relevant client approvals during loan life
- Review of legal documentation, borrower’s corporate structure and of security
- Lead the negotiation for any kind of waiver requests, early repayments and restructurings of payment schedules with borrowers and clients
- Preparation of watch-list reports incl. forward looking credit risk assessment, discussing trends and challenges of individual borrowers, provide advice regarding possible resolutions or exit strategies
- Maintain electronic credit files for respective deals, ensuring key documents have been saved before submission of approval requests
- Advise client in regular portfolio review meetings on portfolio performance, trends, key risk, etc.
The Successful Grad Portfolio Analyst Will Have:
- University degree or up to 3 years working experience in relevant field in Corporate credit, risk or portfolio management
- Background in and knowledge of credit risk drivers and risks inherent in the respective borrower industry sectors
- Proven ability to analyse SME and Corporate financial statements and provide concise and forward-looking assessment of potential credit risks
- Ideally, experience in negotiating loan restructurings (covenant resets, payment schedule amendments, fresh money injections) and the ability to improve results for clients