The Role
The role involves conducting loan analysis across property types, drafting credit reports, developing financial models, and client interactions.
Summary Generated by Built In
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.
Team Mission 🚀
Job Responsibility
- Conducting detailed analysis of loan opportunities across all major property types, including Residential, Office, Retail, Industrial, Lodging, and Healthcare in UK and or/US
- Drafting credit reports with key takeaways on opportunity; report has to be concise, easy to read format for credit and risk to review and comment.
- Developing detailed financial model comprising transaction details, financial statement analysis, projections, ratio analysis, credit metrics, amongst others
- Conducting sensitivity analysis on projections – for stress testing on loans for serviceability
- Identifying deal specific covenants which can act as early warning signals while monitoring loans.
- Detailed industry/market studies to understand operating environment of borrower.
- Interacting with clients to discuss data gaps, inconsistencies, analytical frameworks etc.
Desired Skills
- Relevant experience of 2-10 years.
- Strong financial analysis – thorough understanding of accounting / financial concepts
- Strong understanding of CRE (Commercial Real Estate)
- Proficiency interpreting and analyzing Rent Roll, operating statements, and lease schedules.
- Able to review and evaluate third-party reports like the Property appraisals and valuation reports, cost budgets, etc
- Ability to draft credit reports.
- Strong communication skills – interacting with Debt Directors, clients & other stakeholders.
- Personal drive (proactive), flexible, creative (thinks out of the box), result driven, responsible, curious, team player and fast learner.
- Hands on attitude, willing/capable to understand the big picture.
- Ability to succeed in a culture where change and speed are part of daily work.
- MBA/PGDM/CA/CFA from a reputed institute
Top Skills
Credit Analysis
Data Analysis
Financial Modeling
Financial Statement Analysis
Ratio Analysis
Sensitivity Analysis
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The Company
What We Do
Launched in 2015, OakNorth helps the UK’s most ambitious businesses access the fast, flexible finance they need to scale, while helping savers make their money go further. With funding ranging from £250,000 to tens of millions, we have lent billions to businesses across a whole range of sectors, performing among the top 1% of commercial banks globally. To date, OakNorth financing has helped create tens of thousands of new jobs and affordable homes.
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