Collateral and Risk Analyst

Collateral and Risk Analyst (11844)

Investec is a distinctive Specialist Bank serving clients principally in the UK and South Africa. Our culture gives us our edge: we work hard to find colleagues who'll think out of the ordinary and we put them in environments where they'll flourish. We combine a flat structure with a focus on internal mobility. If you can bring an entrepreneurial spirit and a desire to learn and collaborate to your work, this could be the boost your career deserves.

Team Description

Asset based and cash flow lending sits within the Direct Lending franchise. This role is on the portfolio side of the team and is focused on the management of existing ABL borrowers.

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.

Key Roles And Responsibilities

The primary objective for the Collateral and Risk Analyst is to assist on the management of the portfolio assets within the Direct Lending team.

• Portfolio management – Monitor financial performance and covenant compliance, prepare annual reviews, 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.
• Month end data capture and analysis – Review and analyse monthly collateral information, reconciliations and management information (vs budget, prior year and base case) within set timescales. Ensure reconciliations are completed accurately and timely. Strong attention to detail required when undertaking data review, 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.
• Portfolio business reviews – Provide independent risk and business overview of existing portfolio clients through completion of remote business/audit reviews. Completion of detailed work plan to ensure client collateral and financial operations are in line with facility agreement and deal structure. Early identification of key risk issues to ensure funding is at appropriate levels.
• 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.
• Dealing with day to day client queries – Ensure timely and accurate resolution of all client queries. Review and authorise daily amendments to client's collateral and loan balances.
• 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.
  
  

Core Skills And Knowledge

• 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.
  
  

As part of our collaborative & agile culture, our working week is 4 days in the office and one day remote.

Investec offers a range of wellbeing benefits to make our people feel healthier, balanced and more fulfilled in their lives inside and outside of work.

Embedded in our culture is a sense of belonging and inclusion. This creates an environment in which everyone is free to be themselves which helps to drive innovation, creativity and ultimately business performance. At Investec we want everyone to find it easy to be themselves, and to feel they belong. It's a responsibility we all share and is integral to our purpose and values as an organisation.

Research shows that some candidates can be reluctant to apply to a role unless they meet all the criteria. We pride ourselves on our entrepreneurial spirit here and welcome you to do the same – if the role excites you, please don't let our person specification hold you back. Get in touch!

Recite Me

We commit to ensure that everyone is fairly assessed during our recruitment process. To assist candidates in completing their application form, Recite Me assistive technology is available on our Careers pages. This can be accessed by clicking on the ‘Accessibility Options' link at the top of the page.

The Recite Me tool includes a screen reader, styling and customisation options, a series of reading aids, a translator and more.

If you have any form of disability or neurodivergent need and require further assistance in completing your application, please contact the Careers team at CareersUK@investec.co.uk who will be happy to assist.

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Location

Mumbai

Parinee Crescenzo, 11th floor, G Block BKC, Bandra Kurla Complex, Bandra (E, Mumbai, Maharashtra 400051, India, Mumbai, India

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Investec is a distinctive Specialist Bank serving clients principally in the UK and South Africa. Our culture gives us our edge: we work hard to find colleagues who'll think out of the ordinary and we put them in environments where they'll flourish. We combine a flat structure with a focus on internal mobility.