Job Description

Candidates should be able to:

• Review financial information, including accounts, management information and forecasts, and identify key movements or areas requiring attention.
• Complete covenant monitoring, using agreed calculations and templates to check performance against required thresholds.
• Support annual reviews, gathering the required information, completing standard analysis and preparing the initial review for Portfolio Manager oversight.
• Monitor customer performance, using agreed reports, triggers and portfolio information to identify potential deterioration or exceptions.
• Monitor arrears and missed payments, recording findings and escalating cases that meet defined thresholds.
• Review early-warning indicators, identifying changes in financial performance, risk scores, utilisation or other defined monitoring measures.
• Collate information from different systems and reports to build a complete view of the customer and facility.
• Maintain customer and facility records, ensuring monitoring information, valuations, covenants and supporting evidence are accurate and up to date.
• Prepare clear credit and risk summaries, capturing key findings, exceptions and areas requiring Portfolio Manager review.
• Maintain monitoring schedules and trackers, ensuring reviews, covenants and other recurring activities are completed within required timescales.
• Identify missing, inconsistent or outdated information and follow up or escalate where required.
• Maintain a clear audit trail, recording the checks completed, information reviewed and actions taken.
• Work within defined procedures and controls, recognising when an issue requires judgement or approval rather than attempting to resolve it independently.

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Key skills we would look for

• Good understanding of financial accounts and basic credit analysis.
• Experience of credit, lending, portfolio monitoring or financial services administration.
• Strong analytical and numerical skills.
• Good attention to detail and ability to spot exceptions or inconsistencies.
• Comfortable working with data, reports, spreadsheets, systems and trackers.
• Able to produce clear, factual written commentary.
• Strong organisational skills and ability to manage recurring deadlines and multiple customer reviews.
• Good understanding of controls, escalation and audit requirements.
• Able to follow a defined process while recognising when something needs Portfolio Manager judgement.

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