Analyst

Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver. We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.

We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally. We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to smart savers.

The business model we have created is unique and difficult to replicate, with our ‘best of both’ approach combining deep human expertise with advanced digital, tech and data capabilities. This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale. We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent. If you’re willing to roll up your sleeves, contribute new ideas and believe anything is possible, you’re our kind of person.

Carry out post drawdown procedures to enable a smooth handover of the relationship from the Business Development and Transaction Management Teams.

Interaction with Borrowers and the Transaction Management Team to obtain financial data and information required to monitor the loan portfolio.

Ensure that management and financial information is received from borrowers on a timely basis.

Review and input of financial information, calculation of financial covenants and performing quality assurance checks on financial information provided by Borrowers, including comparing actuals against budgets/forecasts, identifying cause of variances and their impact on liquidity and ongoing debt serviceability, and escalating material variances to Relationship Managers and Head of Relationship Management

Preparing reports and proposals for credit and legal teams in relation to breaches and where waivers or consents are appropriate

Review of customer projections during the lifecycle of the loan

Maintain loan status data to provide and demonstrate continuing compliance of each Borrower on the Loan Portfolio

Working collaboratively with the Business Development, Transactional and Legal Teams

Can navigate, analyse, and understand P&L, BS and Cash Flows.

Familiar with different accounting platforms (Sage, Xero etc).

Understanding of Loan Documentation Covenant definitions and terminology.

Ability to undertake financial modelling and sensitivity analysis.

Well networked.

An understanding of debt finance/asset finance and financial services experience

Excellent written and verbal communication

Robust, organised, calm, logical and confident.

Additional Information

Your Wellbeing - We take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include:

Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment

Free access to Headspace, a mindfulness & meditation digital health app

Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause

EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health

Cycle to work scheme

Discounts on gym membership

Contributory pension scheme & death in service

Your Lifestyle - It’s important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you’re enjoying your leisure time.

Minimum of 27 days holiday per year

Option to buy or sell holiday days through our flexi-holiday scheme

Discounts on gym membership nationwide

Access to discounts on a range of high street and online brands

Community support and charitable giving

Your Contribution - We’re focused on rewarding those that go the extra mile in helping us achieve our goals.

Participation in our annual discretionary bonus scheme designed to reward your contribution to our success

Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done

Department: Structured Lending Portfolio