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- Tasks: Join our team to assess credit risks and support decision-making for clients.
- Company: A leading international bank based in London, focused on innovative financial solutions.
- Benefits: Enjoy competitive pay, flexible working options, and opportunities for professional growth.
- Why this job: Be part of a dynamic environment where your insights directly impact financial decisions.
- Qualifications: Degree in finance or related field; experience in corporate credit analysis is essential.
- Other info: Collaborate with various teams and participate in system testing for credit risk reporting.
The predicted salary is between 43200 - 72000 £ per year.
Our International banking client is seeking a credit risk analyst to join their London office.
Role Responsibilities:
- Support the Head of Credit in the compliance with the credit risk policies and procedures and promote a sound environment for granting, measuring, monitoring and controlling credit risk.
- Perform credit assessment, review and rating (quantitative and qualitative) of potential and current clients/counterparties including corporates, financial institutions, CCPs and State Owned Enterprises.
- Present credit risk assessments and recommendations to the Credit Committee for approval.
- Monitor client exposure against various limits and recommend risk mitigation action against any breaches as per credit policy and procedure.
- Specific overview of the margin call of clients and the reporting/escalation of any breaches of internal controls.
- Maintain and update credit record/documentation of clients, including financials, approved limits, review decisions etc.
- Maintain a portfolio of clients for the regular review of financial and non-financial information that may impact on credit lines provided, making recommendations to the Head of Credit as appropriate.
- Maintain an understanding of all pertinent regulations as well as best practices pertaining to the overall credit operation.
- Continued awareness of market methodological developments with regard to portfolio credit risk measurement techniques and ensure adoption of relevant techniques where appropriate.
- Maintain a focus on the global macro-economic environment, with an understanding of specific country factors that may have an impact on the credit risk assessment of those clients and counterparties incorporated or operating in those countries.
- Perform daily monitoring and reporting of credit risk and other risk reporting duties including monthly MI, ARC/Board meeting MI, group reporting etc.
- Embed group credit risk related policies and procedures to local process.
- Maintain close and effective communication with Risk in relation to credit risk management.
- Work closely with the market risk team where required, such as daily reports.
- Participate in the UAT of in-house back office and risk systems in relation to credit risk reporting/monitoring.
- Other ad hoc duties as assigned by the Head of Credit and the management.
Key Skills:
- Degree in finance, accounting, economics or relevant field.
- Proven track record in corporate credit analysis experience, including profit and loss, balance sheet and cash flow analysis.
- Demonstrate a flexible attitude working within a dynamic environment, to quickly resolve issues.
- Track record in compiling researched credit assessments with sound conclusions.
- Experience of reviewing clients that operate in the commodities sector, with a good working knowledge of the key players.
- Represent the Credit Department in client meetings.
- Understanding inherent risk in granting credit lines for IM and VM requirements for clients.
- Strong report writing skills and ability to consolidate large amounts of qualitative and quantitative data.
Credit Analyst (London Area) employer: Saxton Leigh
Contact Detail:
Saxton Leigh Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Analyst (London Area)
✨Tip Number 1
Familiarise yourself with the latest credit risk policies and procedures relevant to the banking sector. Understanding these will not only help you in interviews but also demonstrate your commitment to compliance and risk management.
✨Tip Number 2
Network with professionals in the credit analysis field, especially those who work in commodities or financial institutions. Attend industry events or webinars to make connections that could lead to referrals or insider information about the role.
✨Tip Number 3
Stay updated on macro-economic trends and how they affect credit risk assessments. Being able to discuss current events and their implications during your interview can set you apart from other candidates.
✨Tip Number 4
Prepare to showcase your analytical skills by reviewing case studies or examples of credit assessments you've conducted in the past. Be ready to discuss your thought process and the outcomes of your analyses during the interview.
We think you need these skills to ace Credit Analyst (London Area)
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in credit analysis, particularly focusing on corporate credit assessments and financial analysis. Use specific examples that demonstrate your skills in evaluating profit and loss, balance sheets, and cash flow.
Craft a Compelling Cover Letter: In your cover letter, express your enthusiasm for the role and the company. Mention your understanding of credit risk policies and your experience with clients in the commodities sector. Be sure to explain how your background aligns with the responsibilities outlined in the job description.
Showcase Your Analytical Skills: When detailing your previous roles, emphasise your ability to compile researched credit assessments and present sound conclusions. Highlight any experience you have with monitoring client exposure and recommending risk mitigation actions.
Proofread and Edit: Before submitting your application, carefully proofread your documents for any spelling or grammatical errors. Ensure that your writing is clear and concise, especially when discussing complex financial concepts. A polished application reflects your attention to detail.
How to prepare for a job interview at Saxton Leigh
✨Know Your Credit Analysis Fundamentals
Make sure you brush up on your knowledge of credit risk policies and procedures. Be prepared to discuss how you would assess potential clients, including both quantitative and qualitative factors. This will show that you understand the core responsibilities of the role.
✨Demonstrate Your Analytical Skills
Be ready to showcase your experience in analysing financial statements, profit and loss accounts, and cash flow statements. Prepare examples from your past work where you successfully identified risks and made recommendations based on your analysis.
✨Stay Updated on Market Trends
Familiarise yourself with current macro-economic trends and how they impact credit risk assessments. Being able to discuss recent developments in the commodities sector or any relevant regulations will demonstrate your proactive approach and industry knowledge.
✨Prepare for Scenario-Based Questions
Expect to face scenario-based questions where you may need to recommend risk mitigation actions or present credit assessments. Practising these types of questions can help you articulate your thought process clearly during the interview.
