Credit Analytics - Analyst/Senior Analyst

At OakNorth, we're on a mission to empower ambitious businesses and the communities they serve. Since 2015, we've lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while driving economic growth in the markets we serve.

Job Responsibilities::
• Developing detailed financial model comprising transaction details, financial statement analysis, projections, ratio analysis, credit metrics, amongst others

• Conducting detailed analysis of loan opportunities across various sectors in different geographies

• Conducting sensitivity analysis on projections – for stress testing on loans for serviceability

• Identifying deal specific covenants which can act as early warning signals while monitoring loans.

• Drafting credit reports with key takeaways on opportunity; report has to be concise, easy to read format for credit and risk to review and comment.

• Detailed industry/market studies to understand operating environment of borrower.

• Interacting with clients to discuss data gaps, inconsistencies, analytical frameworks etc.

Desired Skills::
• Experience range - 0-1 years of relevant experience

• Strong financial analysis – thorough understanding of accounting / financial concepts

• Ability to draft credit reports.

• Strong communication skills – interacting with Debt Directors, clients & other stakeholders.

• Personal drive (proactive), flexible, creative (thinks out of the box), result driven, responsible, curious, team player and fast learner.

• Hands on attitude, willing/capable to understand the big picture.

• Ability to succeed in a culture where change and speed are part of daily work.

• MBA/PGDM/CA/CFA from a reputed institute