Portfolio Analyst

Investec – Where Out of the Ordinary Happens

At Investec, we do things differently. We're a leading international bank and wealth manager built on a culture of curiosity, entrepreneurial spirit and human connection. Ideas are heard, ambition is celebrated, and impact is encouraged. As part of a team that challenges convention and strives for out performance, you'll help shape bold solutions for clients who expect something more than the ordinary.

Direct Lending provides financing to businesses (typically with EBITDA £2m-£75m) in the UK, Ireland and mainland Europe (specifically Benelux and DACH regions) for both financial sponsor and non- financial sponsor backed owners. Finance provision is typically event driven and includes growth capital, acquisition finance & management buyouts, leveraged finance & syndicated debt, refinances & recapitalisations and structured corporate lending. Our core capabilities include originating, structuring and arranging capital for financial sponsors, entrepreneurs and owner-managers and, thereafter, portfolio and balance sheet management.

We have been supporting UK and European businesses for 20 years and currently have circa £3bn AuM supporting 120+ clients.
We have a proactive, flexible and solutions-driven approach and seek to customise debt solutions that fit the client's needs. Structures are typically integrated asset based & cash flow solutions, senior secured debt, working capital and capex/acquisition facilities with the ability to provide underwrites and/or bridge structures where a client need exists. Target returns range from gross yields of 3.0% to 10.0%+.

This provides our empowered investment professionals a wide platform to optimise origination efforts and to deliver financing certainty, rapidly, to clients all day, every day across the business lifecycle.

An Analyst level role within Asset Based & Cash flow lending of our Direct Lending team will have the following primary focuses;

• Operate within portfolio team, support portfolio team with management and analysis of existing portfolio clients
• Portfolio risk review, including onsite business reviews, month end financial & collateral review and annual reviews
• Work with Mumbai credit hub to maintain credit reporting and collateral management
• Identify business trends and early risk indicators
• Involvement in the credit analysis and execution of lending opportunities for existing portfolio clients
• Involvement in the deal life cycle including facility amendments, covenant waivers and exit strategies
• Ensure operational and relationship excellence
• Work with originators and portfolio managers as part of deal team, credit through to legal completion
• Contribute to the development of the Asset Based & Cashflow Lending product

• Regulatory Knowledge as applicable to role (compulsory)
• Knowledge of all parts of Investec's product offering
• Understanding of Investec risk and other control functions and procedures
• Analytical Skills - ability to review and analyse business proposals, financing requirements, due diligence reports, corporate income statement balance sheet and cash flow understanding
• Presentation skills - externally and internally including credit process
• Highly numerate with strong execution skills as well as proven risk assessment, monitoring and control skills.
• Knowledge of Direct lending, Asset Based lending and Sponsor Finance and Investment Markets. Includes knowledge of the aspects of the deal process including due diligence, credit proposal, identification and structuring of appropriate financing solutions and the negotiation of legal documentation.
• A high level of IT literacy with strong Excel skills in particular.
• Appropriate professional qualifications including, at minimum, a 2:1 degree. Additional financial qualifications are preferable but not essential (e.g. ACA, CIMA, CFA).

• First class and highly developed interpersonal skills with a natural ability to build long term, trusted relationships with internal stakeholders, Sponsors and Management teams.