T.Mistry & Associates Limited
Senior Credit Risk Associate
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TMA is a boutique specialist firm delivering Agreed Upon Procedures reviews and portfolio due diligence for institutional lenders, banks, funders, and investors. We cover consumer and business lending, regulated and unregulated, secured and unsecured across the credit spectrum. Our work spans asset classes including asset finance (motor, equipment, hire purchase, finance lease), receivables finance, mortgage and bridging, development finance, credit cards, debt purchase and NPLs, and SME and commercial originations.
We are looking for a Senior Credit Risk Associate to join our associate network, supporting engagement delivery across a portfolio of bank and fund clients. This role can be structured on a consultancy basis (via your own limited company) or as a full-time position, depending on fit.
Key Responsibilities
- Own the delivery of credit risk workstreams within AUP and portfolio due diligence engagements, from scoping through findings
- Review and challenge credit policy and underwriting decisions across secured and unsecured products, spanning regulated and unregulated lending
- Assess re-underwriting outcomes against lender criteria, asset class norms, and market practice
- Identify and escalate material findings, ensuring each recommendation is properly evidenced and traceable to source
- Review junior associates' work for accuracy, scope adherence, and referencing before it reaches engagement lead sign-off
- Liaise directly with client credit and risk teams on findings and open items
- Support proposal development and scoping for new engagements
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Requirements
- 5+ years' experience in credit risk, underwriting, or credit analysis, with a track record of independent decision-making
- Product exposure across one or more of: asset finance, mortgage lending, development finance, consumer lending, debt purchase, SME and business lending
- Working knowledge of FCA regulated and unregulated lending frameworks, including where the regulatory boundary applies within a product set
- Background in financial services essential; credit rating agencies, specialist lending, or banking preferred
- Experience reviewing or mentoring junior team members
- Ensure working papers and evidence trails across the team meet TMA’s documentation standards
- Strong client-facing communication skills, and comfortable engaging senior stakeholders
- Highly proficient in MS Office products especially Excel and PowerPoint and comfortable working with loan-level data extracts and testing workbooks
- Comfortable managing multiple live engagements in a fast-paced, remote-first environment
- Own delivery timelines across assigned workstreams, coordinating with junior associates to ensure deadlines are met
- Ability to manage confidential and sensitive client/borrower data appropriately and in line with data protection regulations
- Relevant professional qualification preferred but not required
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Fully remote, direct exposure to institutional lending clients, and the opportunity to build specialist credit due diligence experience.
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