Senior Associate, Corporate Debt & Structured Finance

Senior Associate, Corporate Debt & Structured Finance

London (Hybrid Working) Salary up to 65,000 per annum

The Senior Associate will play a crucial role in the ongoing risk management and surveillance of clients' investments across various structured finance, private credit, and other investment types.

The primary responsibility will be to ensure that all investments align with clients' risk appetite, adhere to established policies and procedures, and meet the requirements of relevant Service Level Agreements (SLAs).

Key objective is to support clients in meeting the investment requirements of their different investment strategies, funds or mandates and help to protect the value of the existing investment portfolio and minimise losses.

The role will encompass the following key areas:

Credit Analysis: Conducting regular and comprehensive evaluations of the creditworthiness of individual investments, including forward-looking insight and analysis. Presenting findings both in writing and verbally to clients.

Investment Monitoring: Tracking the performance of investments using financial statements, manager or lender reports, compliance certificates, and other relevant documents. Identifying and highlighting any issues or early warning signs.

Market Analysis: Staying informed about market trends and economic conditions that could impact investments. Providing insights and recommendations based on analysis.

Portfolio Monitoring: Identifying potential risks within the portfolio and suggesting strategies to mitigate them. Ensuring proactive risk management.

Direct Communication: Engaging in regular communication with borrowers and counterparts to discuss their financial status, address any concerns, and ensure transparency.

New Mandates: Taking on responsibilities associated with new mandates, adapting to the evolving needs of clients.
By maintaining a proactive approach to management and communication, the Asset Manager will ensure that potential issues are identified and addressed promptly. This will safeguard clients' investments and foster collaborative relationships with borrowers.

Continuously monitor the development of individual portfolio transactions, perform market/sector research and analysis, and inform management as well as clients of any material developments within the portfolio.

• Conduct regular (at least annual) in-depth analysis of key transaction risks (as applicable).
• Prepare robust and concise credit risk reports (credit review, waivers/amendments).
• Review/update financial models to assess future performance and risks (as applicable).
• Prepare internal ratings in accordance with the applicable methodology.
• Prepare and present updates for the monitored transactions in regular client meetings.
• Prepare watch-list reports discussing trends, remedies, development of portfolio transactions including the collateral pool, and provide advice regarding possible restructuring strategies.
• Ensure timely tracking of transaction triggers and collateral tests with adequate recording in the relevant system.
• Ensure timely closure of conditions/tasks.
• Discuss/negotiate any kind of waiver requests or restructurings with borrowers, agents, other lenders or servicers as well as other external/internal parties, e.g. business advisors, lawyers.
• Attend transaction-related meetings and do site visits (as required).
• Maintain electronic credit files for respective deals, ensuring key documents have been saved before submission of approval requests (in accordance with client's guidelines and naming conventions).

Candidate Profile:
Hold a university degree and have at least 2 years of suitable professional experience in Structured Finance and Private Credit Risk or Portfolio Management.
Understand business' strategies, inherent sector risks and its potential impact on credit risk profiles.
Demonstrate solid analytical and technical skills and the ability to understand complex transaction documentation, financing structures, and models.
Be comfortable in a client-facing role and able to confidently present recommendations up to the credit committee level.
Exhibit good organisational and time management skills, a hands-on approach, diligence and attention to detail.
Have good writing skills to produce robust, concise, and insightful decision papers.
Be a team player with the ability to work in a multicultural and international environment, as well as the ability to explain modelling concepts, analytical approaches, reasoning and key conclusions
Adapt quickly and efficiently to changing business and client requirements.
Have a high level of familiarity with MS Excel, Word, PowerPoint, and other data processing and analysis tools.
Possess strong oral and written communication abilities.

Services advertised by Gold Group are those of an Agency and/or an Employment Business.
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