Senior Credit Underwriting Analyst

Novicap is a European Fintech focused on providing end-to-end working capital solutions to SMEs, mid-market corporates, and public administrations. Through our proprietary technology platform, we offer Credit and SaaS solutions that enable our customers to drive their business forward. In doing so, Novicap actively supports thousands of businesses to help them deliver impact for their stakeholders. With presence in Barcelona, Madrid, London and Amsterdam, we are one of the fastest growing fintech startups in Europe. Amazing, isn’t it? We are currently looking for a **Senior Credit Underwriting Analyst **(also known as Senior Risk Analyst) who wants to join our team. You will be critical in analyzing our counterparties’ credit risk. Sounds interesting? Keep reading **What will you do?** As said, your mission as Senior Credit Underwriting Analyst is to analyze our counterparties’ credit risk. This means forming an opinion on their ability to pay debt on time. Overall, this role is crucial in maintaining a healthy cost of risk (or losses) across our credit portfolios, in turn making our business more sustainable. Your responsibilities will include: - Review and analyze counterparties’ financial statements, including historical analysis and a critical assessment of forecasts provided; - As part of this analysis and subsequent review, meet with C-suite executives of counterparties to gather more information and conduct Q&A; - Forming a credit risk opinion related to a specific transaction, derived from the counterparties’ analysis that was previously conducted; - When applicable, prepare a risk report to present the credit risk opinion to the Director of Underwriting and/or the Underwriting Committee; - Rank and prioritize transactions according to their risk level, to ensure an adequate level of attention is paid to each of them; - Monitor at least on quarterly basis the evolution of the counterparties’ in the existing credit portfolio; - In doing all of the above, collaborate with teams across the organization, from Commercial to Legal to Operations, to ensure efficiency and best results. In doing so, you will contribute to the achievement of Novicap’s long-term growth plans **How will you do it?** With integrity, taking responsibility for your actions with the aim of fulfilling our agreements and without hiding information or misleading. Furthermore, we are aware that we can always improve and we welcome feedback, both from clients and colleagues, in order to continue to grow. We always exceed expectations, ensuring the highest levels of professionalism, and we strive to outperform, taking a data-driven approach. And finally, we are generous and give first. We support and contribute to our community, putting our interests first and seeking the common good above our own interests. **Who will you be working with?** You will report directly to the Director of Underwriting and Monitoring. You will work closely with the rest of colleagues across Madrid and Barcelona. A young and dynamic team that’s waiting for you with arms open **You are the right fit if you have**: - A Bachelor’s degree in Economics & Business; - Minimum 5 years of experience working as a credit underwriting analyst in a top 5 bank, an alternative lender, or a Big 4 in Spain; - Solid understanding of financial statements and accounting principles; - Understanding of working capital financing products’ and their impact on financial statement; - An analytical mindset with great attention to details; - A positive and problem-solving attitude, so as the ability to be flexible and resilient; - An autonomous and driven way of working, but are also a team player; - The ability to conduct Q&A with C-suite executives, so as a strong written and oral communication, both in Spanish and English. **What can we offer you?** - Full time job with permanent contract and competitive variable compensation directly linked to performance - Amazing highly motivated colleagues and team members to work with - You’ll join us for our annual company-wide events and be able to meet the rest of the team that’s distributed in Spain, when COVID allows it (health first) - Be part of our dynamic, international working environment, with a flat hierarchy and open communication between teams - Communicate better with colleagues by joining free English or Spanish classes if you need them - Flexible benefits with Cobee and preferential rate on health insurance - Gym subscription if you like sports. And we also have a running club - Library with plenty of books to choose from. If you can't find anything, let us know what you want and we will add it to the library - Free fruit, coffee and tea at the office. Yeah, we know it’s common, but we like to take care of you anyway