If you are interested in this candidate, please contact Simon Blau via email sblau@cerfinancial.co.uk or call on 0207 626 6065.

00357028

QUALIFICATIONS:

CISI Level 3 Certificate in Investment Operations: UK Financial Regulation, Derivatives and Securities

EDUCATION:

2011-2014: University

BA Accounting and Finance 2:1 Upper-second

A-levels

Maths A, English Literature B, History B, Computer Science (AS) B

TECHNICAL:

• Advanced: Microsoft Excel, Word, Outlook, PowerPoint, Moody’s, Capital IQ and Fitch Connect.
• Working knowledge: Eikon, Bloomberg Terminals, VBA, Python (Basic) and MS Access

CAREER HISTORY:

November 2021 – Present

Banking

Credit Ratings Associate – Credit Risk – Corporate Finance

• 2025 bank values award winner for delivering cross departmental rating solutions on infrastructure customers in Corporate, Leveraged and Project Finance.
• Credit risk monitoring and the preparation of annual and special rating reviews on the banks portfolio of European Corporate and Leveraged Finance clients.
• Evaluated the creditworthiness of prospective corporate clients, conducting thorough due diligence on their financial statements, business strategies and risk profiles to assess their suitability for engagement with the bank.
• Financial modelling and qualitative analysis to identify credit risk associated with each client.
• Staying abreast of industry trends and market conditions, providing valuable insights to inform credit rating decisions.
• Effectively communicated credit ratings and risk assessments to internal stakeholders, including Senior Management, Relationship Managers and Risk Management teams.

June 2023 – December 2023

Banking

Relationship Management Associate (Secondment) – Corporate Finance

• Developed business plans and supporting materials for senior management engagement forums, including executive summaries, presentation slides, and data-driven reports, facilitating senior leaders' understanding of the value associated with each opportunity.
• Utilised relationship returns modelling and pricing models to analyse client profitability, contributing to the formulation and management of strategic client business cases.
• Assisted with M&A pitching by creating comprehensive company profile slides to identify suitable acquisition targets for M&A transactions for clients.
• Created pitchbooks that effectively highlighted unique angles and strategic approaches to engage clients and win business by presenting compelling propositions to potential clients.
• Engaged with various internal stakeholders and local teams in emerging markets to onboard new financing facilities for clients ensuring successful execution.

Two-week Secondment, January 2023

Banking - Strategic Solutions Group

• Collaborated in the preparation of strategic sector materials, cash flow modelling, debt capacity analysis, client liquidity forecasting and credit rating impact assessment for client presentations.

December 2019 – November 2021

Banking

Debt and Credit Ratings Advisory Analyst – Corporates

• Developed market leading COVID-19 rating tracker, to help clients understand the behavioural movements of credit ratings throughout the pandemic. Enabling benchmarking to industry participants, geography and competitor ratings.
• Credit rating financial modelling, which includes applying rating agency ratio adjustments;
• critiquing models to broker and company reports as well as the rating agencies’ narrative.
• Presented and analysed ESG considerations around client and industry credit risks as well as the eligibility of green financing.
• Client pitch preparation, analysing and identifying key financing issues faced by corporate clients, taking into account factors like interest rates, tenors and covenants.
• Detailed financial modelling and appropriate scenario analysis taking into account: capital structure, credit rating constraints and outlook, ratings advisory style analysis where required, equity earnings outlook and availability of liquidity.

April 2017 – December 2019

Banking

Liquidity Reporting Analyst – Liquidity Reporting

• Daily Prudential Regulation Authority reporting; reviewing and reconciling FSA 048/ 047 and PRA 110 forms as well as commenting on asset and liability movements.
• Providing commentary for daily, weekly and monthly Liquidity Coverage Ratio (LCR) movements and movements in refinancing gaps on wholesale banking assets and liabilities.
• Data analysis of LCR components, Liquid Asset Buffer portfolio as well as cashflow survival days to create packs/ presentations to the chief treasurer and other senior management.
• Financial products exposure: Repos, Reverse Repos, Stock Borrows, Bonds, Equities, Securitisations, Retail Liabilities, Primary Issuances (CDs/ CPs) as well as Corporate and Commercial bank lending assets.

April 2016 – April 2017

Banking

Finance Analyst – Statutory Reporting

• Creating submission templates using Microsoft Excel for finance teams in Group Reporting, Treasury and Management Information to submit quarterly and half-yearly information.
• Reconciling and cross-checking for accuracy of submissions and comparative figures for financial statements.
• Benchmarking finance and risk disclosures to that of competitor banks.
• Reviewing disclosures in order to be compliant with SEC (Sarbanes-Oxley) and IFRS. Editing narrative disclosures in the company’s risk review as appropriate.
• Co-ordinating management judgement papers for pension provisions, taxation, corporate and retail credit risk provisions, as well as additional capital and risk management disclosures.

April 2015 – April 2016

Healthcare

Finance Intern – Supply Chain Finance

• Global product costs and sales profitability analysis, identifying market and customer behaviour.
• Created monthly reports on inventory, production and purchase price variances in order to analyse the manufacturing process.
• Cost centre accounting - executing cross-charges, re-classes, accruals and prepayments.
• Consolidation of variable and fixed operating costs for three sites from the USA, Germany and the Netherlands.

References Available Upon Request

If you are interested in this candidate, please contact Simon Blau via email sblau@cerfinancial.co.uk or call on 0207 626 6065.

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