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- Tasks: Analyze credit risks in commodity finance and provide evaluations for various credit products.
- Company: Join a leading bank focused on minimizing credit-related losses and supporting business growth.
- Benefits: Enjoy a permanent position with opportunities for professional development and collaboration.
- Why this job: Be part of a dynamic team that values independent thinking and offers impactful challenges.
- Qualifications: Must have 7+ years in credit review, especially in Commodity Finance, with strong analytical skills.
- Other info: Contact Barbara Houghton with your CV to apply and reference job code 16698BH.
The predicted salary is between 43200 - 72000 £ 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. For more information on this role please contact Barbara Houghton by sending your CV and quoting ref 16698BH
Senior Credit Analyst (Commodity Finance) employer: Barbara Houghton Associates
Contact Detail:
Barbara Houghton Associates Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Analyst (Commodity Finance)
✨Tip Number 1
Make sure to highlight your previous banking experience, especially in Corporate Banking. This is crucial for the role, so be prepared to discuss specific examples of how you've managed credit risks and evaluations in your past positions.
✨Tip Number 2
Familiarize yourself with the latest trends in commodity finance and related industries. Being able to discuss current market dynamics and how they impact credit risk will demonstrate your proactive approach and industry knowledge during the interview.
✨Tip Number 3
Prepare to showcase your analytical skills by discussing specific financial analyses or stress tests you've conducted in the past. Providing concrete examples will help illustrate your expertise and problem-solving abilities.
✨Tip Number 4
Emphasize your collaborative nature and ability to work independently. Be ready to share instances where you've successfully navigated challenges in a team setting or taken initiative on your own to achieve departmental goals.
We think you need these skills to ace Senior Credit Analyst (Commodity Finance)
Some tips for your application 🫡
Highlight Relevant Experience: Make sure to emphasize your previous banking experience, particularly in credit review and commodity finance. Use specific examples from your past roles to demonstrate your expertise in evaluating credit risks and compliance with credit policies.
Showcase Analytical Skills: Detail your analytical and financial skills in your application. Mention any experience you have with financial analysis, projections, and stress testing, as these are crucial for the role.
Tailor Your CV: Customize your CV to align with the job description. Focus on your 7+ years of relevant work experience and ensure that your skills match the requirements listed, such as risk mitigation and industry knowledge.
Craft a Strong Cover Letter: Write a compelling cover letter that outlines your motivation for applying and how your background fits the role. Address your ability to work collaboratively while also being able to complete tasks independently, as this is important for the position.
How to prepare for a job interview at Barbara Houghton Associates
✨Showcase Your Banking Experience
Make sure to highlight your previous banking experience during the interview. Discuss specific roles and responsibilities you've had in credit analysis, especially in commodity finance, to demonstrate your expertise.
✨Prepare for Technical Questions
Expect technical questions related to credit evaluation and risk analysis. Brush up on your knowledge of credit policies and be ready to discuss how you would approach evaluating credit proposals and mitigating risks.
✨Demonstrate Analytical Skills
Be prepared to showcase your analytical skills through examples. Discuss how you've conducted financial analysis, projections, and stress tests in past roles, and how these skills can benefit the team.
✨Emphasize Collaboration and Independence
Highlight your ability to work both collaboratively and independently. Share examples of how you've successfully worked with front office teams while also managing your own tasks effectively.
