Credit Analyst, Permanent Job, Isle of Man

A Specialist Finance House is recruiting for an experienced Credit (Corporate) Analyst to join its busy Credit team. Supporting the team in onboarding and monitoring a portfolio of clients, you will analyse key financial and credit information to ensure it sits within the bank’s credit appetite.

The Role…

You will be responsible for underwriting credit proposals and assessing an applicant’s ability to repay the loan. In essence, your role will include:

  • Evaluating customers’ credit data and financial statements in order to determine the degree of risk involved in lending to them
  • Preparing reports and assessments based upon the credit worthiness and risk of a counterparty
  • Analysing client records and using the data to recommend products
  • Analysing audited accounts, management information, forecast cashflow, budget planners and open banking data
  • Monitoring financial and non-financial covenants set for customers and providing information on any non-compliance to the Credit Manager, Head of Credit Risk or Credit Committee
  • Reviewing and approving Structured Finance clients onboarding and drawdown requests
  • Assessing and approving credit proposals within your delegated authority, providing recommendations as required

About You…

We need a confident professional; specifically, you will need:

  • Experience in sanctioning credit facilities within banking or asset finance industries
  • A finance or accounting related degree, or other relevant qualification
  • An ability to undertake detailed analysis of credit applications utilising financial statements, cashflow, credit references, searches of company registries etc.
  • An understanding of the relevant UK & IOM regulatory requirements relating to the provision of credit facilities in these jurisdictions

The Reward…

This is a great opportunity to forge great working relationships with internal and external stakeholders within the bank. As reward, you will receive:

  • Great salary, commensurate with your skills and experience
  • Central Douglas location
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