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- Tasks: Review credit applications, assess risks, and collaborate with stakeholders to enhance credit standards.
- Company: Join a dynamic London-based bank focused on innovative risk management solutions.
- Benefits: Enjoy hybrid working, competitive salary, and a collaborative work culture.
- Why this job: Shape the bank's credit risk framework and make a real impact in a high-visibility role.
- Qualifications: 5-8 years in credit risk, strong analytical skills, and excellent communication abilities required.
- Other info: Opportunity to work closely with senior leaders and influence key decisions.
The predicted salary is between 45000 - 105000 £ per year.
Location: London (Hybrid Working – 3 Days in Office)
Division: Risk Management
Level: Executive Officer
Are you an experienced credit risk professional looking to make your mark in a dynamic and fast-growing London-based bank? We are seeking a Credit Risk Analyst to join our expanding Risk Management team and take ownership of our Credit Risk 2nd Line of Defence (2LoD) Oversight function. This newly created role offers a fantastic opportunity to work closely with senior stakeholders and help shape the bank’s credit risk framework. If you have a background in asset finance or trade finance and a passion for maintaining strong credit standards, we’d love to hear from you.
What You’ll Be Doing
- Review and assess credit applications from the front office (1LoD), analysing financial statements and risk factors.
- Evaluate sector, environmental and business risks for proposed transactions.
- Support and improve the bank’s risk profile through robust credit guidelines and policy alignment.
- Ensure transactions meet credit sanction and documentation standards.
- Partner with key stakeholders on new deal structures, policy exceptions, and risk control solutions.
- Monitor covenants and proactively identify early warning signs in the loan portfolio.
- Collaborate with other risk disciplines to ensure a holistic, enterprise-wide risk view.
- Maintain an updated credit watchlist and support IFRS 9 provision reporting.
- Prepare and present regular reports to the Credit Risk Committee (CRECO).
- Draft minutes for Credit Committee meetings.
- Ensure compliance with Consumer Duty regulations and maintain a customer-first approach.
What We’re Looking For
- 5–8 years’ experience in credit risk, with exposure to trade finance.
- Strong credit underwriting and structured finance expertise.
- Knowledge of key trade instruments and associated risks.
- A self-starter with strong analytical skills, attention to detail, and business acumen.
- Excellent communication and interpersonal skills to influence and align with business goals.
- Proven ability to operate effectively under pressure in a time-sensitive environment.
- Legal documentation experience is a plus.
- Proficiency in Excel and a strong understanding of MI and EOD reports.
- Mortgage market experience is desirable but not essential.
Why Join Us?
- Be part of a small, high-impact team reporting directly to the Chief Risk Officer.
- Work in a collaborative, flexible environment where your voice is heard.
- Contribute to the evolution of the bank’s credit risk governance in a role with visibility and influence.
- Hybrid working model with three days in the office and flexibility for remote work.
- Salary up to £75,000.00 Per Annum.
This is a unique chance to step into a pivotal role at a boutique institution that values initiative, expertise, and a proactive approach to risk.
Credit Risk Analyst employer: Empresaria Group plc
Contact Detail:
Empresaria Group plc Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Analyst
✨Tip Number 1
Network with professionals in the credit risk field, especially those who work in trade finance. Attend industry events or webinars to connect with potential colleagues and learn about the latest trends in credit risk management.
✨Tip Number 2
Familiarise yourself with the specific credit risk frameworks and policies used by banks, particularly in the London market. Understanding these will help you speak confidently about how you can contribute to shaping the bank’s credit risk governance.
✨Tip Number 3
Prepare to discuss your experience with credit underwriting and structured finance in detail. Be ready to provide examples of how you've successfully managed credit applications and assessed risks in previous roles.
✨Tip Number 4
Showcase your analytical skills by being prepared to discuss how you monitor covenants and identify early warning signs in loan portfolios. This will demonstrate your proactive approach to risk management, which is crucial for this role.
We think you need these skills to ace Credit Risk Analyst
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your relevant experience in credit risk, particularly in trade finance. Use specific examples that demonstrate your analytical skills and ability to operate under pressure.
Craft a Compelling Cover Letter: In your cover letter, express your passion for credit risk management and how your background aligns with the bank's needs. Mention your experience with credit underwriting and structured finance, and how you can contribute to their risk governance.
Highlight Key Skills: Emphasise your strong communication and interpersonal skills in your application. Provide examples of how you've influenced business goals or collaborated with stakeholders in previous roles.
Showcase Analytical Expertise: Include specific instances where you've successfully assessed credit applications or improved risk profiles. Mention your proficiency in Excel and any experience with MI and EOD reports to strengthen your application.
How to prepare for a job interview at Empresaria Group plc
✨Showcase Your Analytical Skills
As a Credit Risk Analyst, your analytical skills are crucial. Be prepared to discuss specific examples of how you've assessed credit applications and evaluated risks in previous roles. Highlight your ability to analyse financial statements and identify key risk factors.
✨Demonstrate Stakeholder Engagement
This role involves working closely with senior stakeholders. Prepare to share experiences where you've successfully partnered with others on deal structures or policy exceptions. Emphasise your communication skills and how you align risk management with business goals.
✨Understand the Regulatory Landscape
Familiarise yourself with Consumer Duty regulations and other relevant compliance standards. During the interview, express your commitment to maintaining strong credit standards and how you ensure compliance in your work. This will show your proactive approach to risk management.
✨Prepare for Technical Questions
Expect technical questions related to credit underwriting and structured finance. Brush up on key trade instruments and associated risks. Being able to discuss these topics confidently will demonstrate your expertise and readiness for the role.
