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- Tasks: Evaluate credit proposals and assess risks in commodity finance.
- Company: Join a leading bank focused on minimising credit-related losses.
- Benefits: Enjoy competitive pay, career growth opportunities, and a collaborative work environment.
- Why this job: Make an impact by guiding financial decisions and enhancing your analytical skills.
- Qualifications: 7+ years in credit review, especially in Commodity Finance, with strong analytical skills.
- Other info: Contact Barbara Houghton with your CV to apply for this exciting opportunity.
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: 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 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
Network with professionals in the banking and commodity finance sectors. Attend industry events or join relevant online forums to connect with people who can provide insights or even refer you to opportunities at StudySmarter.
✨Tip Number 2
Stay updated on current trends in commodity finance and credit risk management. This knowledge will not only help you in interviews but also demonstrate your genuine interest in the field when discussing your experience.
✨Tip Number 3
Prepare to discuss specific examples from your previous banking experience that highlight your analytical skills and ability to manage credit risks. Tailoring your stories to align with the responsibilities outlined in the job description will make a strong impression.
✨Tip Number 4
Familiarise yourself with the credit policies and procedures commonly used in corporate banking. Understanding these frameworks will allow you to speak confidently about how you can ensure compliance and contribute to the team's objectives.
We think you need these skills to ace Senior Credit Analyst (Commodity Finance)
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your previous banking experience, particularly in Corporate Banking and Commodity Finance. Emphasise relevant skills such as credit evaluation, risk analysis, and compliance with credit policies.
Craft a Strong Cover Letter: Write a cover letter that specifically addresses the responsibilities outlined in the job description. Mention your 7+ years of experience in credit review and how your analytical skills can contribute to minimising credit-related losses.
Showcase Relevant Achievements: In your application, include specific examples of past projects or roles where you successfully identified credit risks and implemented effective mitigations. This will demonstrate your capability to handle the responsibilities of the role.
Proofread Your Application: Before submitting, carefully proofread your CV and cover letter for any errors or inconsistencies. A polished application reflects your attention to detail, which is crucial for a Senior Credit Analyst.
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, as this is crucial for the position.
✨Demonstrate Risk Analysis Skills
Prepare to discuss your approach to identifying and measuring credit risks. Be ready to provide examples of how you've conducted financial and non-financial risk analyses in past roles, and how you’ve mitigated those risks.
✨Understand Credit Policies
Familiarise yourself with common credit policies and compliance requirements in the banking sector. During the interview, express your understanding of these policies and how you ensure adherence in your work.
✨Stay Updated on Industry Trends
Research current trends in the commodity finance sector and be prepared to discuss them. Showing that you are proactive in monitoring industry dynamics will demonstrate your commitment and expertise in the field.
