​

Debt Structuring & Financial Analysis

• Lead detailed structuring of Debt and CAF transactions, ensuring alignment between credit risk, cash flows, security packages, covenants, and repayment profiles.
• Develop, review, and challenge financial models, including base, downside, and stress scenarios to assess debt capacity, structural resilience, and downside protection.
• Analyse transaction risks and design structural mitigants such as amortisation profiles, reserve accounts, pricing, covenants, and security enhancements.
• Review and validate financial assumptions, projections, and sensitivity analyses to ensure credit robustness.
• Provide technical leadership on credit submissions, ensuring clarity, consistency, and alignment with approved risk appetite.
• Support Coverage teams with structuring expertise during credit committees and client engagements.

Deal Execution, Debt Administration & Controls

• Lead post-credit approval execution including Conditions Precedent (CPs), documentation, security perfection, and internal system set-up.
• Drive transactions from sanction through first and subsequent disbursements, ensuring accuracy, timeliness, and a complete audit trail.
• Maintain comprehensive CP, security, and disbursement tracking logs, proactively resolving execution gaps.
• Ensure accurate booking of facilities, drawdowns, repayments, interest, and fees, working closely with Operations to maintain Straight-Through Processing (STP).
• Review deal numbers, repayment schedules, and cash flow application to prevent income leakage and operational errors.
• Ensure strict adherence to approved credit terms and conditions throughout execution.

Portfolio Monitoring & Post-Disbursement Management

• Monitor compliance with financial and non-financial covenants, including independent calculation, validation, and escalation of breaches.
• Track client exposures against approved limits and ensure prompt remediation of excesses.
• Review periodic financial information and assess impacts on credit quality, structure integrity, and risk profile.
• Lead or support remediation strategies including waivers, restructures, amendments, and enhanced monitoring.
• Maintain portfolio dashboards, early warning indicators, and risk monitoring reports.

Risk Governance, Controls & Assurance

• Actively uphold and embed the Enterprise-Wide Risk Management Framework across all transactions and portfolio activities.
• Identify, assess, document, and mitigate transaction-level and portfolio-level risks, including operational, credit, legal, and compliance risks.
• Ensure all deals comply with internal policies, regulatory requirements, and delegated authorities.
• Support internal and external audits, regulatory reviews, and risk assessments by providing timely, accurate assurance evidence.
• Maintain strong governance discipline through accurate documentation, issue tracking, and escalation.
• Proactively challenge structures, assumptions, and execution approaches that fall outside risk appetite.

Stakeholder Management & Team Contribution

• Build strong, effective working relationships with Credit, Legal, Compliance, Operations, Product, and Group Debt teams.
• Provide technical guidance and coaching to junior team members on structuring, analysis, execution, and risk discipline.
• Contribute to training initiatives for Coverage teams on debt structures, covenants, and portfolio monitoring standards.

Working Hours & Professional Commitment

• This role operates within an Investment Banking Division environment and requires flexibility beyond standard office hours.
• Working hours are deal-driven and may extend beyond an 8:00–5:00 schedule to meet transaction deadlines, credit committee timelines, and execution requirements.
• Availability during peak execution periods, transaction closings, and critical portfolio events is an essential requirement of the role.