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For Companies At a Glance
- Tasks: Analyse credit risks and provide recommendations to minimise losses for the bank.
- Company: Dynamic City-based Commercial Bank focused on NBFI credit risk.
- Benefits: Competitive salary, professional development, and a collaborative work environment.
- Why this job: Join a team making impactful decisions in the financial sector.
- Qualifications: 5-10 years in credit review with strong analytical skills.
- Other info: Opportunity for career growth in a supportive and innovative setting.
The predicted salary is between 36000 - 60000 £ per year.
Overview
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.
Responsibilities
- 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 while maintaining an independent and objective view within the credit process.
- Effectively monitor, identify and reasonably measure credit risk within the Bank’s asset portfolio.
- Provide effective challenges as well as guidance to proposals from Front Office; draft and present credit opinions to Credit Committee, maintaining an objective and independent view within the credit process in accordance with the Bank’s credit policies.
- Provide credit evaluation reports for various credit products, including overview of transactions, financial and non-financial risk analysis, key risks identified with mitigations, and credit recommendations (including suggested credit enhancements and management conditions).
- Assist with the implementation of credit risk appetite, credit policies and procedures, and management processes once established; ensure transactions comply with credit policies.
- Provide the Head of Credit Risk Department (CRD) and the credit committee with professional risk analysis and appropriate risk mitigation measures in a timely manner.
- Conduct post-lending management work, including monitoring credit ceilings and exposures, monitoring the borrower’s financial performance, and ensuring covenants and conditions are met throughout the loan life.
- Proactively align with the Bank’s Global Credit policy and liaise with Front Office, Credit Administration, Treasury and other Group entities to utilise GCMS as part of the credit process.
- Perform credit reviews and research of industry/customer-related information for all new proposals and for existing customers at least annually.
- Aim for timely turnaround of credit proposals and reviews in line with departmental objectives.
- Monitor industry and sector trends and counterparty risks for early warning signals.
- Coordinate with Head/Deputy Head of Credit Risk, Credit Administration and Relationship Managers on credit proposals, modifications, annual reviews and client financial performance monitoring.
- Post-lending management: support four-eyes checking of facility documentation, asset quality categorisation, covenants monitoring, and ensure terms and conditions of approval are actioned by relevant departments within deadlines.
- Assist the Head/Deputy Head of Credit Risk on departmental-related tasks.
- Other functions as required to assist the Head/Deputy Head of Credit Risk.
Qualifications / Skills
- Possesses a minimum of 5–10 years’ work experience in Non-Bank Financial Institution credit review.
- In-depth knowledge of risks and mitigations across different industries, countries and client types, with strong financial analysis, projection and stress-testing skills.
- Exceptional analytical and negotiation skills with a proactive problem-solving approach and a positive, can-do attitude.
- Collaborative and able to complete tasks independently.
Seniority level
- Mid-Senior level
Employment type
- Full-time
Job function
- Other and Finance
IsExpired: false
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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 your connections in the finance sector, especially those who work in credit analysis. A friendly chat can lead to insider info about job openings that aren't even advertised yet.
✨Tip Number 2
Prepare for interviews by brushing up on your financial analysis skills. Be ready to discuss how you would assess credit risks and make recommendations. We want to see your analytical prowess shine!
✨Tip Number 3
Showcase your problem-solving skills during interviews. Share examples of how you've tackled credit-related challenges in the past. This will demonstrate your proactive approach and can-do attitude that employers love.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we’re always looking for talented individuals like you to join our team in the NBFI Credit Risk space.
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 your experience in credit review and risk analysis, and don’t forget to showcase any relevant skills that match the job description.
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. Mention specific experiences that demonstrate your analytical skills and ability to make clear recommendations.
Showcase Your Analytical Skills: In your application, be sure to highlight your analytical and negotiation skills. Provide examples of how you've successfully identified risks and made recommendations in previous roles.
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It’s the best way for us to receive your application and get you on our radar!
How to prepare for a job interview at dnevo Partners
✨Know Your Credit Risk Fundamentals
Make sure you brush up on your understanding of credit risk assessment and the specific methodologies used in the Non-Bank Financial Institution sector. Be ready to discuss how you would identify and measure credit risks, as well as how you would present your findings to a Credit Committee.
✨Prepare Real-World Examples
Think of specific instances from your past experience where you successfully identified credit risks or made recommendations that positively impacted your previous employer. Use the STAR method (Situation, Task, Action, Result) to structure your responses clearly and effectively.
✨Stay Updated on Industry Trends
Familiarise yourself with current trends in the financial sector, especially those affecting credit risk. Being able to discuss recent developments or challenges in the industry will show your proactive approach and genuine interest in the role.
✨Practice Your Analytical Skills
Since the role requires strong analytical skills, consider doing some mock analyses or case studies before the interview. This will help you articulate your thought process and demonstrate your ability to evaluate financial data and make sound credit recommendations.