AVP/DVP - Credit Analytics

ABOUT US 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. ABOUT THE ROLE As a Credit Analyst at OakNorth, you will play a key role in evaluating and structuring loan opportunities across a range of sectors and geographies. Reporting into the Credit team, you will produce high-quality credit analysis and financial models that directly support OakNorth's mission to back the UK's most ambitious businesses. WHAT YOU'LL DO - Conduct detailed analysis of loan opportunities across various sectors and geographies - Draft concise, well-structured credit reports with clear takeaways for credit and risk teams to review - Develop detailed financial models covering transaction details, financial statement analysis, projections, ratio analysis and credit metrics - Conduct sensitivity and stress-testing analysis on projections to assess loan serviceability - Identify deal-specific covenants that can serve as early warning signals during loan monitoring - Carry out in-depth industry and market studies to understand the operating environment of borrowers - Interact directly with clients to discuss data gaps, inconsistencies and analytical frameworks YOU'LL BE A GREAT FIT IF YOU HAVE… - Strong financial analysis skills with a thorough understanding of accounting and financial concepts - Proven ability to draft clear, compelling credit reports - 5+ years of relevant experience in credit, lending or financial analysis - Strong communication skills with the ability to engage confidently with Debt Directors, clients and other stakeholders - An MBA, PGDM, CA or CFA qualification from a reputed institute Nice to Have - A proactive, hands-on attitude with the ability to see the big picture - Creative thinking and the ability to succeed in a fast-paced, high-change environment - A team-player mindset — flexible, curious, result-driven and a fast learner WHAT WE OFFER - Health & Protection: Comprehensive medical cover for you, your family, and parents, along with life and accidental insurance cover at a multiple of your salary. - Wellbeing: Annual health check-ups, online doctor consultations, pharmacy discounts, nutritionist support, and Employee Assistance Program (EAP) services — all sponsored by OakNorth. - Time Off: Earned leave, casual/sick leave, public holidays, maternity leave, and paternity leave. - Life Milestones: Financial support for important life events such as marriage, childbirth, and bereavement. - Flexible Benefits: Tax-efficient allowances for internet, fuel, meals, leave travel, and National Pension System (NPS) contributions. - Growth & Development: Support for professional certifications, learning and development opportunities, childcare benefits, and paid volunteering days. - Our Workplace: Modern, centrally located offices, weekly business updates, team events, and great coffee. We work hard to build a culture worth showing up for.