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- Tasks: Evaluate credit proposals and provide risk analysis for project finance.
- Company: Join a leading bank focused on minimising credit-related losses.
- Benefits: Enjoy a permanent position with opportunities for professional growth.
- Why this job: Be part of a dynamic team making impactful financial decisions.
- Qualifications: 10+ years in Project Finance/Structured Finance required.
- Other info: Collaborative environment with a focus on independent problem-solving.
The predicted salary is between 48000 - 72000 £ per year.
It is essential to have previous banking experience. Our client is seeking a Credit Analyst (Project 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 is 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 project 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 may be required to assist the Department.
Skills Required:
- Possesses a minimum of 10+ years' work experience in Project Finance/Structured Finance credit review area.
- 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.
Credit Risk Project Finance employer: Barbara Houghton Associates Limited
Contact Detail:
Barbara Houghton Associates Limited Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Project Finance
✨Tip Number 1
Network with professionals in the banking and finance sector, especially those with experience in project finance. Attend industry events or join relevant online forums to connect with potential colleagues or mentors who can provide insights and possibly refer you to opportunities.
✨Tip Number 2
Stay updated on current trends and developments in project finance and credit risk management. This knowledge will not only help you in interviews but also demonstrate your commitment to the field and your ability to contribute effectively to our team.
✨Tip Number 3
Prepare to discuss specific examples from your previous banking experience that highlight your analytical skills and ability to manage credit risks. Be ready to explain how you've successfully navigated challenges in past roles, as this will showcase your problem-solving abilities.
✨Tip Number 4
Familiarise yourself with our company's values and mission. Tailoring your conversation during interviews to align with what we stand for will show that you're not just looking for any job, but that you're genuinely interested in being part of our team at StudySmarter.
We think you need these skills to ace Credit Risk Project Finance
Some tips for your application 🫡
Highlight Relevant Experience: Make sure to emphasise your previous banking experience, particularly in Corporate Banking and Project Finance. Use specific examples from your past roles that demonstrate your ability to evaluate credit risks and provide credit opinions.
Showcase Analytical Skills: Detail your analytical skills by providing examples of financial analysis, risk assessment, and stress testing you have conducted. Highlight any tools or methodologies you used to achieve successful outcomes in your previous positions.
Tailor Your CV and Cover Letter: Customise your CV and cover letter to align with the job description. Use keywords from the job posting, such as 'credit evaluation', 'risk mitigation', and 'project finance', to ensure your application stands out.
Prepare for Potential Questions: Anticipate questions related to credit risk management and project finance during the interview process. Prepare concise and relevant examples that showcase your problem-solving abilities and collaborative approach.
How to prepare for a job interview at Barbara Houghton Associates Limited
✨Showcase Your Banking Experience
Make sure to highlight your previous banking experience during the interview. Discuss specific roles and responsibilities you've had in corporate banking, especially those related to credit risk and project finance.
✨Demonstrate Analytical Skills
Prepare to discuss your analytical skills in detail. Be ready to provide examples of how you've conducted financial analysis, risk assessments, and stress tests in past roles, as these are crucial for the position.
✨Understand Credit Policies
Familiarise yourself with common credit policies and compliance requirements in the banking sector. Being able to articulate how you ensure compliance in your work will show that you understand the importance of these regulations.
✨Prepare for Scenario-Based Questions
Expect scenario-based questions where you may need to evaluate a hypothetical credit proposal. Practice articulating your thought process on identifying risks and suggesting mitigations, as this will demonstrate your problem-solving abilities.
