Fresher - Pm/ca

7 days ago

Gurgaon, India OakNorth Bank Full time

**Responsibilities**:

- Credit-worthiness analysis of borrowers, including financial analysis, industry and sector research, to ensure Bank’s lending remains within acceptable Risk metrics.
- Drafting detailed credit reports with key takeaways on the purpose; report has to be concise, easy to read for credit risk to review and comment.
- Identifying, setting and monitoring deal specific covenants which can act as early warning signals during the life of the loan.
- Developing and maintaining detailed financial model (in Excel) comprising transaction details, financial statement analysis, projections, ratio & variance analysis, key performance indicators, credit metrics, amongst others.
- Conducting sensitivity analysis - for stress testing on loans for serviceability.
- Regular interaction with key stakeholders and clients to discuss for e.g., borrower requirements and performance, data gaps, inconsistencies, analytical frameworks, loan servicing etc.

**Desired Skills**:

- Strong financial analysis skills - thorough understanding of accounting / financial concepts including financial statements, variance analysis, and assessment of key credit risk metrices and covenants.
- Ability to draft credit reports.
- Strong communication skills (oral and written) in English.
- Proficient in use of Excel, handling linked worksheets, able to handle complex models.
- Personal drive (proactive), flexible, creative (thinks out of the box), result driven, responsible, curious, team player, fast learner, and willing to take ownership of tasks and deliverables.
- 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.

About Us
- Banking should be barrier-free. It’s a belief at our very core, inspired by our entrepreneurial spirit, driven by the unmet financial needs of millions, and delivered by our data-driven tools.
- And for those who love helping businesses thrive? Our savings accounts help diversify the high street and create new jobs, all while earning savers some of the highest interest on the market.
- But we go beyond finance, to empower our people, encourage professional growth and create an environment where everyone can thrive. We strive to create an inclusive and diverse workplace where people can be themselves and succeed.
- Our story
- OakNorth Bank was built on the foundations of frustrations with old-school banking. In 2005, when our founders tried to get capital for their data analytics company, the computer said ‘no’. Unfortunately, all major banks in the UK were using the same computer - and it was broken.
- Why was it so difficult for a profitable business with impressive cashflow, retained clients, and clear commercial success to get a loan?
- The industry was backward-looking and too focused on historic financials, rather than future potential.
- So, what if there was a bank, founded by entrepreneurs, for entrepreneurs? One that offered a dramatically better borrowing experience for businesses?
- No more what ifs, OakNorth Bank exists.

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