Analyst Speciality Finance

Banking Analyst (Speciality Finance), London (City) c£55,000 - c£75,000 + Comp A newly created role sitting within the banks speciality finance team focused on structured lending supported by diversified loan pools. You will play a key analytical role in evaluating loan pool performance, assessing credit risk, building financial models, and supporting end-to-end transaction execution. This role is ideal for an analytically strong candidate with experience in credit analysis, financial modelling, cashflow forecasting, and portfolio monitoring. Responsibilities: Analyse loan pool characteristics, asset performance, borrower profiles, and risk concentrations. Conduct detailed credit assessment of loan portfolios, financial statements, cashflow trends, servicing data, and delinquency metrics. Build early warning indicators and monitoring frameworks to identify emerging risks within the pool. Build and maintain sophisticated Excel-based financial models to support back book assessment and forward cashflow analysis with appropriate stress test scenarios. Develop cashflow waterfalls for various pool structures and test sensitivities under multiple macroeconomic and performance assumptions. Modelling will need to support debt sizing, portfolio optimisation, and transaction economics. Conduct or support credit reviews for counterparties and underlying borrowers. Support the preparation of high-quality credit papers. Support end-to-end transaction execution including due diligence, structuring, internal approvals, and closing processes. Produce regular reporting packs with performance commentary, KPI tracking, covenant compliance, and risk metrics. Evaluate pool-level and loan-level (typically via cohort and vintages) data to support proactive risk management and re-underwriting. Maintain audit-ready documentation. Experience Required: Strong analytical background with experience in credit analysis, financial modelling, cashflow forecasting, and/or structured lending. Advanced Excel modelling (cashflow modelling, scenario analysis, sensitivities, debt/equity structuring). Experience assessing loan portfolios, real estate assets, or SME/mid-market borrowers. Ability to interpret financial statements, management accounts, and borrower data. Excellent written and verbal communication with an ability to present complex analysis clearly. High attention to detail and comfort working with large datasets. Professional qualifications (ACA, CFA, credit training) or equivalent experience. Desirable Experience: Exposure to speciality finance, structured credit, private debt, or real estate finance. Experience with SQL or data analysis tools. Understanding of risk frameworks, governance, and regulatory expectations. Please note we are only able to consider applicants who fit the above criteria and have the required experience as mentioned above. The bank is also unable to hire candidates who require sponsorship. Services advertised by Gold Group are those of an Agency and/or an Employment Business. We will contact you within the next 14 days if you are selected for interview. For a copy of our privacy policy please visit our website.