ABOUT US
At OakNorth, we're on a mission to empower the UK's most ambitious businesses. Since 2015, we've lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 recent jobs, and supported hundreds of thousands of personal savers — all while fuelling the UK economy.
ABOUT THE ROLE
As a Credit Analyst at OakNorth, you will play a key role in evaluating and structuring loan opportunities across a range of sectors and geographies. Reporting into the Credit team, you will produce high-quality credit analysis and financial models that directly support OakNorth's mission to back the UK's most ambitious businesses.
WHAT YOU'LL DO
Conduct detailed analysis of loan opportunities across various sectors and geographies
Draft concise, well-structured credit reports with clear takeaways for credit and risk teams to review
Develop detailed financial models covering transaction details, financial statement analysis, projections, ratio analysis and credit metrics
Conduct sensitivity and stress-testing analysis on projections to assess loan serviceability
Identify deal-specific covenants that can serve as early warning signals during loan monitoring
Carry out in-depth industry and market studies to understand the operating environment of borrowers
Interact directly with clients to discuss data gaps, inconsistencies and analytical frameworks
YOU'LL BE A GREAT FIT IF YOU HAVE…
Strong financial analysis skills with a thorough understanding of accounting and financial concepts
Proven ability to draft clear, compelling credit reports
5+ years of relevant experience in credit, lending or financial analysis
Strong communication skills with the ability to engage confidently with Debt Directors, clients and other stakeholders
An MBA, PGDM, CA or CFA qualification from a reputed institute
Nice to Have
A proactive, hands-on attitude with the ability to see the big picture
Creative thinking and the ability to succeed in a fast-paced, high-change environme