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For Companies At a Glance
- Tasks: Analyse credit risks and provide recommendations to minimise losses for a leading bank.
- Company: Join a dynamic City-based Commercial Bank with a focus on innovation.
- Benefits: Competitive salary, professional development, and a collaborative work environment.
- Why this job: Make a real impact by shaping credit policies and managing financial risks.
- Qualifications: 5-10 years in credit review, strong analytical skills, and a collaborative mindset.
- Other info: Opportunity for career growth in a fast-paced financial sector.
The predicted salary is between 36000 - 60000 ÂŁ per year.
Job Description
Our client, a City-based Commercial Bank is seeking a Credit Analyst or Senior Credit Analyst to join the Non-Bank Financial Institutional (NBFI) Credit Risk Team.
Principal Purpose of the Job:
- Minimise the Bank’s credit-related losses by identifying and reasonably measuring the credit risks and mitigants in proposals, reviews etc.
- Make clear and unambiguous recommendations to Credit Committee, in accordance with the Bank’s credit policies, regarding the acceptability of particular business deals from a credit perspective whilst simultaneously maintaining an independent and objective view within the credit process.
- Effectively monitoring, identifying and reasonably measuring credit risk within the Bank’s asset portfolio.
Main Responsibilities & Accountabilities:
- 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.
- Provide credit evaluation report 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.
- Provide Head of Credit Risk Department (CRD) as well as credit committee 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.
- Proactively adopt the principles of the Bank's Global Credit policy, ensuring that all proposals and reviews conform to the agreed procedures. Regarding the Global Credit Management System (“GCMS”), liaise where necessary with Front Office, Credit Administration, Treasury and other Bank's Group entities, in order to utilise GCMS as part of the credit process.
- Perform credit review and research of industry / customer-related information for all new proposals and (on at least an annual basis) for existing customers.
- Achieve timely turnaround of credit proposals and reviews, in accordance with pre-agreed Departmental objectives.
- Proactively monitor industry and sector trends as well as counterparty risks for early warning signals.
- Coordinate with the Head/Deputy Head of Credit Risk, Credit Administration, and Relationship Managers in connection with credit proposals / modifications / annual reviews and clients’ financial performance monitoring.
- Post-lending management, including (but not restricted to):- assisting Credit Administration in “four-eyes” checking of facility documentation; asset quality categorisation; covenants monitoring; ensuring that terms and conditions of approval are actioned by the appropriate departments in accordance with agreed deadlines.
- Assist the Head/Deputy Head of Credit Risk on departmental related.
- Other functions and tasks as maybe required to assist the Head/Deputy Head of Credit Risk.
Skills Required:
1) Possesses a minimum of 5-10 years' work experience in Non-Bank Financial Institution credit review area.
2) 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.
3) Exceptional analytical and negotiation skills and dedicated problem solver with a positive personality and can-do attitude.
4) Collaborative personality and ability to complete tasks independently.
Credit Analyst/Senior Credit Analyst-NBFI employer: dnevo Partners
Contact Detail:
dnevo Partners Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Analyst/Senior Credit Analyst-NBFI
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect on LinkedIn. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by researching the company and its credit policies. Be ready to discuss how your experience aligns with their needs, especially in credit risk management. Show them you mean business!
✨Tip Number 3
Practice your pitch! You want to be able to clearly articulate your skills and experiences related to credit analysis. Keep it concise and relevant to what they’re looking for in a candidate.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen. Plus, we love seeing familiar names when we’re reviewing candidates!
We think you need these skills to ace Credit Analyst/Senior Credit Analyst-NBFI
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Credit Analyst role. Highlight relevant experience in credit risk assessment and financial analysis, and don’t forget to showcase your problem-solving skills. We want to see how you can bring value to our team!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're the perfect fit for the role and how your background aligns with our needs. Be sure to mention your understanding of credit policies and your analytical prowess.
Showcase Your Analytical Skills: In your application, provide examples of how you've effectively identified and mitigated credit risks in past roles. We love candidates who can demonstrate their analytical skills through real-life scenarios!
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 shows you’re keen on joining our team!
How to prepare for a job interview at dnevo Partners
✨Know Your Credit Risks
Before the interview, brush up on your understanding of credit risks and mitigants. Be prepared to discuss specific examples from your past experience where you identified and managed credit risks effectively. This will show that you can bring valuable insights to the team.
✨Master the Job Description
Take a deep dive into the job description and understand the key responsibilities. Think about how your skills align with these tasks, especially around drafting credit opinions and conducting risk analysis. Prepare to articulate how your background makes you a perfect fit for the role.
✨Prepare for Technical Questions
Expect technical questions related to financial analysis, credit evaluation, and industry trends. Brush up on your analytical skills and be ready to discuss how you would approach evaluating a new credit proposal or managing existing credit exposures.
✨Show Your Collaborative Spirit
This role requires working closely with various teams. Be ready to share examples of how you've successfully collaborated in the past. Highlight your ability to work independently while also being a team player, as this balance is crucial in a credit risk environment.
