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- Tasks: Analyze credit applications and assess financial strength of borrowers.
- Company: Join an international bank located in the heart of The City.
- Benefits: Gain exposure to diverse financial products and risk management frameworks.
- Why this job: Be part of a dynamic team impacting corporate finance and risk assessment.
- Qualifications: Ideal for those with knowledge in credit analysis and financial modeling.
- Other info: Opportunity to work on special projects and climate risk assessments.
The predicted salary is between 28800 - 42000 £ per year.
City Elite are delighted to be assisting our long term Client, an international Bank based in The City, in their search for a Credit Analyst.
The purpose of this role is to provide quality recommendations on credit applications for both FIs and Corporates clients.
Duties:
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Assess the credit risk and financial strength of the firm’s borrowers and counterparts by performing fundamental credit analysis using both quantitative and qualitative factors.
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Review lending underwriting transactions, determine risk appetite and credit ratings, having developed an independent view of cash flow projections and of key documentation protection.
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Perform sector analysis to assess portfolio concentrations or trends.
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Responsibility for annual reviews and business requests.
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Monitoring the portfolio and identify trends and risks.
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Ensure adherence to IFRS9 guidelines as part of credit review process.
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Perform Climate Risk assessment in the context of credit review
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Support the Deputy Head of Credit and Head of Credit in risk-related special tasks and projects.
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Knowledge of banking industry products/services including Trade Finance, Receivable/Payable Financing, Asset Backed Finance (Real Estate Residential, Commercial etc.) , Project Finance etc.
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Risk Management Framework – Credit Risk, Market Risk, Operational Risk and Regulatory Risk.
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Financial Modeling.
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Desirable – exposure/experience in relevant Corporate credit (including Commodity Finance and Real Estate) and FI (both Banks and Insurance) credit.
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Knowledge/experience of GCC and MENA markets, including a good understanding of the FI and corporate clients, economic sectors, macro-economic factors, and related country risks within the region is a benefit., * Credit Analysis
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Risk
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Trade Finance
Credit Analyst employer: City Elite Transaction Services Ltd
Contact Detail:
City Elite Transaction Services Ltd Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Analyst
✨Tip Number 1
Familiarize yourself with the latest trends in credit risk assessment and financial modeling. This knowledge will not only help you during interviews but also demonstrate your commitment to staying updated in the field.
✨Tip Number 2
Network with professionals in the banking industry, especially those who work in credit analysis or risk management. Engaging with them can provide valuable insights and potentially lead to referrals.
✨Tip Number 3
Research the specific products and services offered by the bank you're applying to. Understanding their approach to Trade Finance and other relevant areas will allow you to tailor your discussions and show genuine interest.
✨Tip Number 4
Prepare to discuss your experience with sector analysis and how you've identified trends or risks in previous roles. Concrete examples will help illustrate your analytical skills and suitability for the position.
We think you need these skills to ace Credit Analyst
Some tips for your application 🫡
Understand the Role: Make sure to thoroughly read the job description for the Credit Analyst position. Understand the key responsibilities, such as credit risk assessment and financial analysis, so you can tailor your application accordingly.
Highlight Relevant Experience: In your CV and cover letter, emphasize any previous experience in credit analysis, risk management, or financial modeling. Mention specific projects or tasks that align with the duties listed in the job description.
Showcase Industry Knowledge: Demonstrate your understanding of the banking industry and relevant products like Trade Finance and Project Finance. If you have experience with GCC and MENA markets, make sure to highlight this as it is a desirable trait for the role.
Tailor Your Application: Customize your cover letter to reflect your passion for the role and the company. Use keywords from the job description, such as 'credit risk', 'financial strength', and 'portfolio monitoring', to show that you are a perfect fit for the position.
How to prepare for a job interview at City Elite Transaction Services Ltd
✨Understand Credit Risk Assessment
Make sure you have a solid grasp of how to assess credit risk and financial strength. Be prepared to discuss your experience with both quantitative and qualitative analysis, as this will be crucial for the role.
✨Familiarize Yourself with IFRS9 Guidelines
Since adherence to IFRS9 guidelines is part of the credit review process, brush up on these regulations. Being able to articulate how you would apply these guidelines in your analysis will impress your interviewers.
✨Showcase Your Sector Analysis Skills
Be ready to talk about your experience with sector analysis and how you've identified trends and risks in previous roles. Providing specific examples will demonstrate your analytical capabilities.
✨Highlight Relevant Experience
If you have experience in Corporate credit, especially in areas like Commodity Finance or Real Estate, make sure to highlight this. Discussing your knowledge of the GCC and MENA markets can also set you apart from other candidates.
