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- Tasks: Analyse credit risks and provide evaluations for financial products.
- Company: Join a leading firm focused on Non Bank Financial Institutions.
- Benefits: Enjoy a permanent role with opportunities for professional growth.
- Why this job: Make a real impact by minimising credit losses and shaping financial strategies.
- Qualifications: 8-10 years in credit review, especially in NBFI, is essential.
- Other info: Visa eligibility for the UK is required; sponsorship not available.
The predicted salary is between 48000 - 84000 £ per year.
It is essential to have a minimum of 8-10 years\’ work experience in a credit review in Non Bank Financial Institutions area. Sponsorship will not be available for this position, therefore 3+ years on visa eligibility to work in UK is essential.
If you want to know about the requirements for this role, read on for all the relevant information.
Our client is seeking a Senior Credit Analyst to join their Non Bank Financial Institutions team on a permanent basis.
The successful candidate will be involved in minimising credit-related losses by identifying and reasonably measuring the credit risks and mitigants in proposals, reviews etc.,
Responsibilities (but not limited to):
• Provide credit evaluation reports 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.
• This position mainly focuses NBFI business and may also cover some other sector’s credit business.
• 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 Client’s credit policies. Achieve timely turnaround of credit proposals and reviews, in accordance with pre-agreed Departmental objectives.
• Provide 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.
Skills and knowledge:
• Possesses a minimum of 8-10 years\’ work experience in credit review area in NBFI area.
• 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.
For more information on this role please contact Barbara Houghton by sending your CV quoting ref 16898BH
Senior Credit Analyst - NBFI 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 - NBFI
✨Tip Number 1
Network with professionals in the Non Bank Financial Institutions sector. Attend industry events, webinars, or local meetups to connect with potential colleagues and learn about the latest trends and challenges in credit analysis.
✨Tip Number 2
Stay updated on regulatory changes and market dynamics affecting NBFIs. This knowledge will not only enhance your understanding but also demonstrate your commitment to the field during interviews.
✨Tip Number 3
Prepare to discuss specific case studies or examples from your previous experience that highlight your analytical skills and ability to mitigate credit risks. Real-world scenarios can make a strong impression.
✨Tip Number 4
Familiarise yourself with the company's credit policies and procedures before the interview. Showing that you understand their framework will position you as a well-prepared candidate who is ready to contribute from day one.
We think you need these skills to ace Senior Credit Analyst - NBFI
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your 8-10 years of experience in credit review, particularly within Non Bank Financial Institutions. Use specific examples that demonstrate your analytical skills and understanding of credit risks.
Craft a Strong Cover Letter: In your cover letter, address the key responsibilities mentioned in the job description. Explain how your previous experiences align with the role, especially your ability to provide credit evaluation reports and manage credit risks.
Highlight Relevant Skills: Emphasise your exceptional analytical and negotiation skills in both your CV and cover letter. Mention any specific financial analysis tools or methodologies you are proficient in, as well as your problem-solving abilities.
Proofread Your Application: Before submitting, carefully proofread your application for any errors or inconsistencies. A polished application reflects your attention to detail, which is crucial for a Senior Credit Analyst role.
How to prepare for a job interview at Barbara Houghton Associates
✨Showcase Your Experience
With 8-10 years of experience required, be ready to discuss specific examples from your past roles. Highlight your achievements in credit evaluation and risk analysis, particularly in the Non Bank Financial Institutions sector.
✨Demonstrate Analytical Skills
Prepare to showcase your analytical abilities by discussing how you've identified risks and proposed mitigations in previous positions. Use real-life scenarios to illustrate your problem-solving skills and your approach to financial analysis.
✨Understand Industry Trends
Stay updated on current trends in the NBFI sector and be prepared to discuss how these trends impact credit risk. Showing that you can proactively monitor industry dynamics will demonstrate your commitment to the role.
✨Prepare for Technical Questions
Expect technical questions related to credit policies, risk management, and compliance. Brush up on relevant regulations and best practices to confidently answer any queries about credit transactions and evaluations.
