Senior Credit Analyst (Commodity Finance)

It is essential to have previous banking experience. Our client is seeking a Credit Analyst (Commodity Finance) to join their team on a permanent basis. Supporting the business to minimise the Bank's credit-related losses by identifying and reasonably measuring the credit risk and mitigants in proposals, reviews etc. It’s essential to have previous Corporate Banking experience.

Main Responsibilities & Accountabilities:

• Provide credit evaluation report for various credit products which provides overview of transactions, financial and non-financial risk analysis, key risks identified.
• Make sure the credit transactions are compliant with credit policies.
• This position mainly focuses on commodity finance business and may also cover some other sector’s credit business based on the types of proposal from front office.
• Provide effective challenges as well as guidance to the proposals from Front Office.
• Draft and present credit opinions to Credit Committee, by maintaining an objective and independent view within the credit process, in accordance with the Bank's credit policies.
• Achieve timely turnaround of credit proposals and reviews, in accordance with pre-agreed Departmental objectives.
• Provide relevant departments with the professional risk analysis and appropriate risk mitigation measure in a timely manner.
• Conduct post lending management work including but not limited to: monitor the credit ceilings and credit exposures carefully to ensure loan performing well with all covenants well maintained; monitor the financial performance of the borrower regularly associated with market and industry dynamics; monitor the conditions subsequent and ensure all conditions are met at any time through the loan life.
• Perform credit review and research of industry/customer-related information for all new proposals and (on at least an annual basis) for existing customers.
• Proactively monitor industry and sector trends as well as counterparty risks for early warning signals.
• Other functions and tasks as maybe required to assist the Department.

Skills Required:

• Possesses a minimum of 7+ years' work experience in credit review area in Commodity Finance.
• In-depth knowledge and deep understanding of risks and mitigations across different industries, countries and clients’ type.
• Business and economy related know-how, and excellent financial analysis, projection and stress test skills.
• Exceptional analytical and negotiation skills and dedicated problem solver with a positive personality and can-do attitude.
• Collaborative personality and ability to complete tasks independently.

For more information on this role please contact Barbara Houghton by sending your CV and quoting ref 16698BH.