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- Tasks: Evaluate credit risks in commodity finance and provide insightful reports.
- Company: Join a leading bank focused on minimising credit-related losses.
- Benefits: Competitive salary, career growth, and a dynamic work environment.
- Why this job: Make a real impact in the finance sector with your analytical skills.
- Qualifications: 7+ years in credit review, especially in Commodity Finance.
- Other info: Collaborative team culture with opportunities for independent work.
The predicted salary is between 36000 - 60000 £ per year.
It is essential to have previous banking experience.
Our client is seeking a Credit Analyst (Commodity 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\’s 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 commodity 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 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.
- 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 maybe required to assist the Department.
Skills Required:
- Possesses a minimum of 7+ years\’ work experience in credit review area in Commodity Finance.
- 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.
Senior Credit Analyst-Commodities employer: Barbara Houghton Associates Limited
Contact Detail:
Barbara Houghton Associates Limited Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Analyst-Commodities
✨Tip Number 1
Network like a pro! Reach out to your connections in the banking and commodities sectors. Attend industry events or webinars to meet potential employers and get your name out there. Remember, it’s all about who you know!
✨Tip Number 2
Prepare for interviews by brushing up on your credit analysis skills. Be ready to discuss specific cases where you identified risks and how you mitigated them. Show them you’re not just a number cruncher but a strategic thinker!
✨Tip Number 3
Don’t forget to tailor your approach! Research the company’s recent projects in commodity finance and be prepared to discuss how your experience aligns with their needs. This shows you’re genuinely interested and have done your homework.
✨Tip Number 4
Apply through our website for a smoother process! We want to see your application and help you land that Senior Credit Analyst role. Plus, it gives us a chance to connect with you directly!
We think you need these skills to ace Senior Credit Analyst-Commodities
Some tips for your application 🫡
Show Off Your Experience: Make sure to highlight your previous banking experience, especially in Corporate Banking and Commodity Finance. We want to see how your background aligns with the role, so don’t hold back on those relevant details!
Be Clear and Concise: When drafting your application, keep it straightforward. We appreciate clarity, so make sure your credit evaluation skills and risk analysis abilities shine through without any fluff.
Tailor Your Application: Don’t just send a generic application! Tailor your CV and cover letter to reflect the specific responsibilities and skills mentioned in the job description. We love seeing candidates who take the time to connect their experience to what we’re looking for.
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it’s super easy!
How to prepare for a job interview at Barbara Houghton Associates Limited
✨Know Your Credit Fundamentals
Brush up on your knowledge of credit evaluation and risk analysis, especially in commodity finance. Be ready to discuss specific examples from your previous banking experience where you identified risks and proposed mitigations.
✨Prepare for Technical Questions
Expect questions that dive deep into financial analysis and stress testing. Practise explaining your thought process clearly and concisely, as this will showcase your analytical skills and ability to communicate complex ideas effectively.
✨Showcase Your Collaborative Spirit
Since the role involves working closely with the Front Office and other departments, be prepared to share examples of how you've successfully collaborated in the past. Highlight your ability to provide constructive challenges while maintaining a positive attitude.
✨Stay Updated on Industry Trends
Demonstrate your proactive approach by discussing current trends in the commodities market and how they might impact credit risk. This shows that you're not only knowledgeable but also genuinely interested in the sector.
