Job Purpose Summary: Quantitative Research and Analysis - Commercial Mortgages

Reporting to Chief Financial Officer

 The Company

Our client is a mortgage lender offering a competitive and innovative range of products aimed at commercial borrowers who do not fit the standard commercial mortgage market. OUR CLIENT works exclusively with commercial borrowers in the SME sector.

Main Duties

The main duties of the role are:

· Prepare credit performance and management information reporting packs; · Review the profitability and pricing of lending products; · Build pricing models and review commission structures; · Assist in the development of credit reports; · Assist with Portfolio Selection and Analysis of Warehouse line, Whole Loan Sales and Securitised Pools; · Assist with Quarterly Investor Reporting; · Assist with the preparation of loan by loan data extracts for supply to investment banks, rating agencies and 3rd parties; · Liaison with rating agencies to meet their information requirements; · Assist in preparation of investor presentations; · Assisting with the securitisation and whole loan sales process from an Originator view; · Prepare analysis and models to forecast losses and provisions; · Access actual portfolio performance against expectation, preparing variation analysis; · Undertake financial and data analysis to improve the understanding of the performance; · Help manage the storage and supply of data to other third parties as appropriate; · Help write ad hoc reports; · Help audit data to ensure accuracy in the data supply to external parties; · Assist in the analysis and assessment of the profitability of new and existing products, lending criteria and new and existing channels of business; · To work closely with other areas of the business to ensure the financial impact of decisions to be made is understood; · To help build the management information infrastructure to assist management with decision making.

Person Specification

Qualifications · University graduate in an analytical/mathematically related subject with a minimum of a 2:1 pass.

Experience

· Possess an analytical background, preferably in mortgages or banking; · Minimum 2 years analysis experience/training in a financial institution (lender, bank, rating agency); · Knowledge of consumer/commercial lending markets, mortgage and securitization principles would be advantageous; · Applied knowledge of consumer/commercial risk analysis and financial modelling; · Skilled in dealing with large volumes of data and working to tight deadlines.

Skills

· Solid understanding o9f statistics, portfolio analysis and basic accounting principles; · Extensive use of Excel and Word, and ideally Access or similar database PC based applications.

Attributes

The suitable candidate should demonstrate:

· Strong, clear and precise verbal and written communication skills; · Analytical, methodical and highly numerate; · Self-driven, quality and results-orientated with an ability to work well under pressure; · Ability to work individually as well as part of a team; · Reliable, determined, hard working and ambitious.

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