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- Tasks: Evaluate credit for various products and provide risk analysis and recommendations.
- Company: Join a leading bank focused on commodity finance and diverse credit sectors.
- Benefits: Enjoy a dynamic work environment with opportunities for professional growth and development.
- Why this job: Be part of a team that shapes financial decisions and impacts the industry positively.
- Qualifications: Fluent in English with extensive experience in credit review, especially in Commodity Finance.
- Other info: Engage with industry trends and enhance your analytical skills in a supportive setting.
The predicted salary is between 43200 - 72000 £ per year.
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Provide credit evaluation report for various credit products which provides overview of transactions, financial and non-financial risk analysis, key risks identified with the associated mitigation if any as well as credit recommendation (including suggested credit enhancement as well as management conditions). Assisting with the implementation of credit risk appetite, credit policies and procedures and management processes once they are established. Make sure the credit transactions are compliant with credit policies.
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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.
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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.
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Provide Head of CRD and DGM (credit) as well as credit committee with the professional risk analysis and appropriate risk mitigation measure in a timely manner.
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Conduct post lending management work including but not limited to 1) monitor the credit ceilings and credit exposures carefully to ensure loan performing well with all covenants well maintained, 2) monitor the financial performance of the borrower regularly associated with market and industry dynamics, 3) monitor the conditions subsequent and ensure all conditions are met at any time through the loan life.
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Perform credit review and research of industry / customer-related information for all new proposals and (on at least an annual basis) for existing customers.
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Proactively monitor industry and sector trends as well as counterparty risks for early warning signals.
The Skills You’ll Need: English fluent, extensive experience in credit review area in Commodity Finance within banking., * Possesses solid work experience in credit review area in Commodity Finance.
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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.
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Exceptional analytical and negotiation skills and dedicated problem solver with a positive personality and can-do attitude.
Please follow us on Linkedin: https://www.linkedin.com/company/people-first-team-china
Banking Job - Credit Analyst- Commodity Finance - London - md employer: People First
Contact Detail:
People First Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Banking Job - Credit Analyst- Commodity Finance - London - md
✨Tip Number 1
Familiarize yourself with the latest trends in commodity finance. Understanding the current market dynamics and how they affect credit risk will give you an edge during discussions with the hiring team.
✨Tip Number 2
Brush up on your analytical skills, especially in financial analysis and risk assessment. Be prepared to discuss specific examples of how you've successfully evaluated credit proposals in the past.
✨Tip Number 3
Network with professionals in the banking and commodity finance sectors. Engaging with industry experts can provide insights that may be beneficial during your interview process.
✨Tip Number 4
Prepare to demonstrate your problem-solving abilities. Think of scenarios where you've had to navigate complex credit situations and be ready to share those experiences.
We think you need these skills to ace Banking Job - Credit Analyst- Commodity Finance - London - md
Some tips for your application 🫡
Understand the Role: Make sure to thoroughly read the job description and understand the key responsibilities and skills required for the Credit Analyst position in Commodity Finance. Tailor your application to highlight relevant experiences.
Highlight Relevant Experience: In your CV and cover letter, emphasize your extensive experience in credit review, particularly within Commodity Finance. Provide specific examples of your analytical skills and any successful credit evaluations you've conducted.
Showcase Analytical Skills: Demonstrate your exceptional analytical abilities by including examples of financial analysis, projections, or stress tests you have performed. This will help illustrate your capability to provide effective risk analysis and recommendations.
Tailor Your Cover Letter: Craft a personalized cover letter that addresses how your skills align with the company's needs. Mention your understanding of credit policies and your proactive approach to monitoring industry trends and counterparty risks.
How to prepare for a job interview at People First
✨Understand Credit Evaluation Reports
Make sure you are well-versed in how to create and present credit evaluation reports. Be prepared to discuss your previous experiences with financial and non-financial risk analysis, and how you've identified key risks and suggested mitigations.
✨Familiarize Yourself with Credit Policies
Review the bank's credit policies and procedures before the interview. Demonstrating your understanding of compliance and how you can ensure transactions align with these policies will show your commitment to the role.
✨Showcase Your Analytical Skills
Prepare to discuss specific examples where your analytical skills made a difference in credit reviews or risk assessments. Highlight your experience with financial projections and stress testing, as these are crucial for the position.
✨Stay Updated on Industry Trends
Research current trends in commodity finance and related sectors. Being able to discuss recent developments and their potential impact on credit risk will demonstrate your proactive approach and industry knowledge.
