Credit Analyst

Team Description : Private Credit Management Direct Lending team (Leveraged Lending) The Investec Direct Lending business is a leading private debt manager focused on the lower mid-market. The team originates, structures and provides debt solutions to private equity backed businesses with a typical EBITDA between £2-£75m based in the UK, Ireland, Benelux and DACH regions. The business has 40+ investment professionals and €3bn+ assets under management. Consequently, the franchise is one of the largest players in its target market segment. Responsibilities : Role is to support the Direct Lending team in origination and ongoing management of the portfolio with a focus on supporting the team with internal monitoring and reporting requirements for the portfolio. Responsibilities include: Portfolio management – Monitor financial performance and covenant compliance, prepare annual reviews, examine amendments and waiver requests, provide performance updates, identify and act on warning signals and actively participate in portfolio reviews and assist on those credits that have deteriorated and/ or are challenged. Data capture and analysis – Review and analyse monthly management information (vs budget, prior year and base case) within set timescales. Strong attention to detail required when undertaking data collection, validation and analysis. Update Direct Lending portfolio monitoring templates and track receipt of compliance certificates. Identify and provide insight to the Portfolio Manager. Credit analysis – Strong credit skills required for the completion of annual renewals and new lending opportunities. Highly numerate with strong execution skills and a proven ability to operate in a private equity centric business. Requirement to meet timelines and to possess an understanding of the private equity deal lifecycle. Internal effectiveness – Requirement to build and develop positive relationships with key internal stakeholders (e.g. credit, the origination team, onboarding) with the aim of meeting internal KPIs and providing a high level of customer service. Proactiveness – A self-starter with a drive for results and a motivation and ambition to deliver a consistent high-quality output. It is important that any individual evidences an on-going drive for personal development and continuous improvement and use these skills to help the Private Credit Management team to formulate new as well as improve existing products, processes and procedures. Key competencies required include: · Excellent command of PowerPoint, Word, Excel, and other relevant tools and databases. · Fluent in English and excellent oral and written communications skills. · Willingness to obtain a knowledge of the UK and European Private Equity market. · Sound understanding of financial reporting (P&L, balance and cashflow). · Sound understanding of credit and risk. · Ability to think critically, engage in analysis and make decisions. · Ability to research, implement and deliver projects in a time-efficient manner. · Willingness to learn; ability to pick up new skills and technologies quickly. · Ability to develop strong market Knowledge with a sound awareness of the market/economic landscape. · Regulatory knowledge as applicable for the role. · To act with integrity at all times and embrace the philosophy of treating our customers fairly (compulsory). · Personable nature to build and manage relationships with internal and external stakeholders. Educational Background: · MBA Finance / CA /CFA Cultural Attributes · Team player with an ability to build trusted relationships. · Ability to take the initiative with an outgoing personality. · Confident with the ability to perform in a stretch team environment. At Investec we look for dynamic, energetic people filled with tenacity, integrity and out of the ordinary thinking. We value individuals who in turn value our culture; that is, a can-do attitude while challenging convention. Diversity, competency and flexible leadership are respected in pursuit of the growth of our business.