Find a job 
Featured Companies 
Featured Universities 
For Companies At a Glance
- Tasks: Manage structured financing credit risks and evaluate credit applications.
- Company: Join a leading bank focused on global markets and strategic lending.
- Benefits: Enjoy competitive pay, professional development, and a dynamic work environment.
- Why this job: Be part of a team that drives change and impacts financial decisions.
- Qualifications: Experience in credit analysis and strong understanding of financial products required.
- Other info: Opportunity to mentor junior team members and engage in exciting projects.
The predicted salary is between 43200 - 72000 £ per year.
The Corporate Credit Team is responsible for providing management and analytical support for the Bank’s activities in its Global Markets business areas (FIC and Commodities) and implementing the Bank’s credit procedures and policies, including approval of credit limits. It is also responsible for managing a portfolio of structured financing credit risks associated with the Bank’s strategic lending transactions and related investing activities, with the primary objective of managing risk within acceptable parameters.
This role primarily involves managing a portfolio of structured financing credit risks associated with the Bank’s strategic lending transactions and related investing activities, with the primary objective of structuring, assessing and managing risk within acceptable parameters. The candidate may also support the Bank’s commodities related counterparty portfolio, for both financing and derivatives products.
Key Responsibilities- Evaluation and Approval of Credit Applications:
- Ownership and understanding of the risk profile of the structured transaction credit portfolio.
- Formulation and evaluation of credit proposals, with a comprehensive risk assessment for new or increased facilities, in addition to annual reviews on the existing portfolio. Undertake quantitative and qualitative financial analysis to develop a comprehensive understanding of counterparty and structural risks.
- Provide support to senior Credit management in all aspects.
- Close working relationship and engagement with Deal Teams.
- Prepare and present applications to Credit Committee and other Risk forums involving Senior Management.
- Articulate credit appetite and give guidance on structure of deals and documents required to mitigate risks as far as possible.
- Coordinate and ensure that post-approval implementation of facilities and legal documentation is in accordance with the conditions of sanction.
- Follow up and address non-adherence to terms and conditions of sanction by counterparties; to consider the inherent risk therein and to make recommendations as to action to be taken to regularise or mitigate such increased risk.
- Participate in ad-hoc projects and portfolio reviews as required from time to time.
- Proactively communicate key risks as they arise.
- Overall management of the portfolio of accounts with appropriate escalation, including credit limit monitoring.
- Monitoring, questioning and understanding changes in credit quality in any counterparty/industry.
- Demonstrate and/or develop a proactive, “Change the Bank” mind-set.
- Identify and drive change within Credit and the Business by initiating and owning change projects as necessary.
- Support the training and development of graduates and junior team members.
- Support the BS&R team with management of Watchlist and Non-Performing names.
- Knowledge, technical skills and expertise:
- Experience in writing credit applications and analysing transactions within the credit risk department of a Financial Institution.
- Good understanding of accounting (both management and financial accounting) to analyse financial strengths and weaknesses of clients and identify potential risks to credit proposals.
- Good understanding of lending and derivative products across sectors, including ability to analyse and interpret cash-flow models and conduct sensitivity analysis.
- Ability to understand structured deals and provide guidance to ensure sound security / covenant structures are in place.
- Ability to interact with Front Office providing credit support to Deal Teams and Sales Teams.
- Experience of engaging with clients to discuss transaction terms and related credit risks.
- Working knowledge of the risk systems for monitoring and related procedures for analysing the account behaviour of clients and identifying trends and shifts in credit risk profiles.
- Conceptual and practical knowledge of credit procedures, policies and standards.
- A track record of operating with a personal delegated approval authority.
- Prior experience dealing with non-performing and/or defaulted names, including recoveries, would be beneficial but is not essential.
- Self-starter with a sound work ethic.
- Confident and effective communicator (both verbal and written).
- Attention to detail.
- Strong organisational skills.
Contact Detail:
Morgan McKinley Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Emerging Markets Corporate Credit - Senior Manager
✨Tip Number 1
Network with professionals in the corporate credit and finance sectors. Attend industry events, webinars, or workshops where you can meet people who work in similar roles. This can help you gain insights into the company culture and expectations, and may even lead to referrals.
✨Tip Number 2
Familiarise yourself with the latest trends and developments in structured financing and credit risk management. Being knowledgeable about current market conditions and regulatory changes will demonstrate your commitment and expertise during interviews.
✨Tip Number 3
Prepare to discuss specific examples from your past experience that showcase your ability to manage credit risks and evaluate credit applications. Use the STAR method (Situation, Task, Action, Result) to structure your responses effectively.
✨Tip Number 4
Research StudySmarter's values and mission. Tailor your conversations and questions during the interview to reflect how your personal values align with ours. This shows genuine interest in the company and can set you apart from other candidates.
We think you need these skills to ace Emerging Markets Corporate Credit - Senior Manager
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in credit risk management and structured financing. Use specific examples that demonstrate your analytical skills and understanding of credit procedures.
Craft a Compelling Cover Letter: In your cover letter, express your enthusiasm for the role and the company. Clearly outline how your background aligns with the responsibilities listed in the job description, particularly your experience in evaluating credit applications and managing risks.
Highlight Relevant Skills: Emphasise your technical skills related to financial analysis, understanding of lending products, and ability to communicate effectively with deal teams. Mention any experience you have with credit systems and monitoring procedures.
Showcase Leadership Qualities: If you have experience leading projects or mentoring junior team members, make sure to include this in your application. The role requires a proactive mindset and the ability to drive change, so highlight any relevant experiences.
How to prepare for a job interview at Morgan McKinley
✨Know Your Credit Risk Fundamentals
Make sure you have a solid understanding of credit risk management principles. Be prepared to discuss how you would evaluate and approve credit applications, as well as your approach to managing structured financing credit risks.
✨Demonstrate Analytical Skills
Showcase your ability to conduct both quantitative and qualitative financial analyses. Be ready to provide examples of how you've assessed counterparty risks in the past and how you would apply those skills in this role.
✨Engage with Real-World Scenarios
Prepare for situational questions that may involve real-world credit scenarios. Think about how you would handle non-adherence to terms and conditions or changes in credit quality, and be ready to articulate your thought process.
✨Highlight Leadership and Change Management
Since this role involves driving change within the team, be prepared to discuss your experience in leading projects or initiatives. Share examples of how you've supported junior team members or contributed to a proactive work environment.
