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 new 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 explicit, 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