Analyst - Capital Markets

at  OSB Group

About the team:
The Commercial department (the Balance Sheet Optimisation and Capital Markets teams) supports the Bank by developing the Group’s capital and wholesale funding strategy. The team works closely with the Group’s Treasury, Finance, Product Proposition and Risk functions. The team identifies opportunities and proposes specific actions, including capital markets transactions, for optimising the Group’s balance sheet. This could include the issuance of additional capital instruments, issuance of minimum requirements for own funds and eligible liabilities (MREL) debt, share buy-backs, securitisations and intra-Group transfers of capital and funding. The team also provides support to the Group Risk and Finance functions with respect to financial planning and forecasting, risk appetite setting, stress testing and key supervisory submissions.
About Us:
The OSB Group is a FTSE 250 specialist mortgage lender, primarily focused on carefully selected segments of the mortgage market.
Our specialist lending is supported by our Kent Reliance and Charter Savings Bank retail savings franchises. Diversification of funding is provided by sophisticated securitisation platforms. OSB’s unique cost-efficient operating model is supported by our wholly-owned subsidiary OSBIndia.
Alongside passion for our products and customers, we’re passionate about our people and want to continue building a collaborative and engaging environment. Being dedicated to Diversity, Equity and Inclusion, we encourage differences and recognise that individuals from diverse backgrounds and experiences can bring valuable insights and enhance the way we work. This is supported by our Diversity, Community and Environment Employee Engagement Networks and our commitment to the Women in Finance Charter and Women in Leadership Programme.
What you will be doing:
In this varied and interesting role, you will have the opportunity to provide analytical support to senior members of the Commercial team, in particular within the Balance Sheet Optimisation and Capital Markets teams, in all aspects of their responsibilities.
You will assist in completing capital and balance sheet planning; capital markets transactions (unsecured and secured); robust data compilations; and management information for both internal and external stakeholders.
You work within a small and supportive team, with exposure to various projects and ‘big ticket’ items to support your professional goals.

Your responsibilities will include…

• Assisting on the day-to-day analytical work to support the delivery of capital markets and balance sheet management transactions/ actions, escalating any issues as appropriate.
• Providing high level ad hoc analytical support as and when required across the Commercial team, providing concise commentaries regarding the findings of such analyses, and making recommendations where appropriate.
• Assisting in the production of automated tools to assist the Commercial team in the production of data and reports for both internal and external stakeholders.
• Supporting in the production of periodic management information utilised within Group governance committees.
• Supporting producing the outputs across the team’s regulatory and investor reporting requirements, ensuring consistency and accuracy maintained on an ongoing basis.
• Supporting with the development, and maintenance of, tools/ models for the purposes of validating loans eligible for future securitisations where required to do so.

In return for your commitment:

We offer a base salary dependent on experience of between £35,000-£40,000 and a competitive benefits package including:

• Discretionary annual bonus opportunity of up to 15%
• 28 days annual leave plus bank holidays
• Contributory pension (8% employer 5% employee)
• Life Assurance (4x salary) plus Group Income Protection
• Access to Private Medical Insurance and Medical Cash Plan
• Maternity & Adoption Leave – Occupational Maternity/Adoption Pay provided at 100% of salary for the first 26 weeks.
• Paternity Leave – 8 weeks of paid leave to be taken within 12 months of birth or adoption.
• Additional benefits such as Hybrid working, Cycle Purchase scheme, Technology Purchase scheme, Season Ticket Loan, Holiday purchase / sell schemes, Employee Perk Portals, Payroll giving and Save as you Earn scheme.

Could you be the one?:

We are looking for talented individuals who have the experience and knowledge set out below:

• Experience working as an analyst (capital markets, finance, or risk management) is essential.
• Previous experience within financial services is essential.
• Advanced analytical, Excel and modelling skills are essential.

We also believe that your career and how you progress is as unique as your individual personality. We continually support our people so they can become the best version of themselves.
What to do next:
If this sounds like you, please apply now! For internal applications please visit the internal careers page to apply.
Alternatively, if you wish to have an informal and confidential chat please get in touch. Contact details can be found on our careers page.
If shortlisted from your initial application we operate a personalised recruitment process. Interviews are a two way street, we aim for them to be relevant and conversational to get the best out of you!
OSB Group are dedicated to diversity in the workplace and committed to treating all our employees and job applicants equally. We embrace equal opportunities and are opposed to discrimination on any grounds.
As part of our public commitment to the Women in Finance Charter, we have introduced our own initiatives to attract, develop and advance senior women in our sector. We don’t stop there though, we have broadened our approach to encourage diversity and inclusion at all levels and in all roles. Our leadership and Executive Committee are right behind us, to the extent that our Diversity Champions sit at Board level and on a monthly basis receive updates on our progress.
Whilst we are an organisation that values face-to-face interaction to build and nourish our culture, we also acknowledge that people are not just productive in an office and tied to the 9 to 5. Flexible-working opportunities are important for establishing a healthy work-life balance so if you see a role of interest we are happy to be asked about flexibility and explore together if we can make it work.
All applicants must have rights to work in the UK and be willing to undertake the relevant pre-employment screening checks should your application be successful.

• Assisting on the day-to-day analytical work to support the delivery of capital markets and balance sheet management transactions/ actions, escalating any issues as appropriate.
• Providing high level ad hoc analytical support as and when required across the Commercial team, providing concise commentaries regarding the findings of such analyses, and making recommendations where appropriate.
• Assisting in the production of automated tools to assist the Commercial team in the production of data and reports for both internal and external stakeholders.
• Supporting in the production of periodic management information utilised within Group governance committees.
• Supporting producing the outputs across the team’s regulatory and investor reporting requirements, ensuring consistency and accuracy maintained on an ongoing basis.
• Supporting with the development, and maintenance of, tools/ models for the purposes of validating loans eligible for future securitisations where required to do so