- To support Associate Directors and/or Directors with all aspects of the in-life management of the Financial Sponsors portfolio. You will be required to work collaboratively as part of a team, to ensure all client relationships are managed in accordance with the principles of the SL business model, procedures and best practice.
- To support the end to end credit process including but not limited to: i) preparation of credit submissions; ii) presenting transactions to credit committee; and iii) preparation of legal documentation. Candidates contribution would span across all areas of the credit spectrum including but not limited to facility amendments (e.g. facility increases), covenant waivers / resets and in-life M&A activity.
- Post new deal execution, the candidate will be required to actively support in the management of ongoing exposures across a variety of Financial Sponsor Clients. Management of credit stewardship are key parts of this role and include:
- Diligently monitoring the performance of counterparties ensuring monitoring trackers and call reports are promptly updated post receipt of monthly MI.
- Analysing complex financial information, including statutory accounts; management accounts (incorporating cash flow analysis), budgets and forecasts (including sensitivity analysis) and Financial Due Diligence reports.
- Support in checking covenant calculations and undertaking look forward modelling and using these, combined with overall financial analysis to identify concerning trends.
- Undertaking credit grading analysis and completing pricing models to help ensure the correct balance of risk and reward is maintained across the portfolio.
- Support and contribute to the preparation of Annual Reviews / Credit Requests.
- Support on amendments, restructures, and facility enhancements; and to be alert for new business / expansion opportunities with existing customers.
- To actively communicate and escalate potential risks in a prompt and effective manner, including EWIs and Watch triggers.
- Ensure accuracy and integrity of data and records as well as detecting errors.
- Consider market, macroeconomic and regulatory impacts on the portfolio and promptly flag any risks.
- Participate in rolling out new strategic initiatives for Structured Lending, including compliance, regulatory and risk management oversight, and attend relevant industry events.
- To support in liaising with clients to deliver excellent customer service and added value. Attend client visits as required, drafting agendas and visit reports. Help to develop and maintain strong, multi-layered relationships with clients at operational and board level, maximising client life and retention. Act as a key support contact for clients and other internal departments.
- To liaise effectively with the other parts of the Shawbrook Group who play their part in the Financial Sponsors output, including Operations, Credit and Finance.
- To communicate and escalate potential issues/risks in a prompt and effective manner. To provide support in managing the overall compliance and risk management framework of SL
The Person
- Degree or equivalent or work experience appropriate to the role.
- Proven experience in structuring and executing lending transactions.
- Strong analytical skills, including advanced knowledge of Excel. Experience with financial models and good understanding of financial statements is beneficial.
- Industry knowledge in the general finance market desirable but not essential, including a good understanding of lending practices and credit processes.
- Strong customer service, presentation and negotiation skills.
- Good commercial, financial acumen and capability in strategic thinking.
The Opportunity
Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver. We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.
We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally. We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to smart savers.
The business model we have created is unique and difficult to replicate, with our ‘best of both’ approach combining deep human expertise with advanced digital, tech and data capabilities. This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale. We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive des