At a Glance
- Tasks: Assess and manage credit risks while making informed lending decisions.
- Company: Join a dynamic financial services firm with a collaborative culture.
- Benefits: Competitive salary, career growth opportunities, and supportive work environment.
- Other info: Work with passionate professionals dedicated to creating growth.
- Why this job: Make a real impact in credit risk management and build strong professional relationships.
- Qualifications: Degree in Finance or related field with 5-7 years of relevant experience.
The predicted salary is between 49500 - 60500 £ per year.
Our client is seeking an experienced Credit Analyst to join their Risk team, responsible for managing a portfolio of counterparty credit risks associated with lending, trading, and investment activities.
In this role, you will play a key part in assessing, monitoring, and managing credit risk within the approved risk appetite.
Your expertise will contribute to making informed credit decisions and recommendations while ensuring compliance with relevant lending policies and regulatory requirements.
Job Duties
- Critically assess valuation assumptions, sustainable cash flows, loan-to-value ratios, debt-service and interest-cover metrics, lease profiles, tenant quality, vacancy, break options, and marketability.
- Design or challenge fit-for-purpose security packages, guarantees, cessions, mortgages, or other collateral arrangements, including intercreditor terms and enforcement priorities.
- Make credit decisions and recommendations in line with applicable lending policies, regulatory requirements, and sound credit risk principles.
- Identify and mitigate credit risks through appropriate security structures, facility conditions, and ongoing portfolio monitoring.
- Build strong relationships with business stakeholders and act as a trusted advisor on credit matters.
Job Requirements
- Essential: Degree in Finance, Accounting, Business Commerce, or a related discipline.
- Essential: 5-7 years' experience in credit assessment, credit risk decisioning, and lending within banking or financial services.
- Essential: Strong understanding of financial statements, repayment structures, collateral management, and credit processes.
- Desirable: Education in real estate (ideally UK), property finance, or structured lending.
- Behavioural Competencies: Examining Information, Making Decisions, Checking Things, Convincing People, Articulating Information.
- Technical Competencies: Credit Delivery, Legal Knowledge, Loan Assessment & Approval, Risk Reporting.
What You'll Love
Our client offers the chance to work alongside dedicated professionals in a collaborative environment with a passion for creating growth.
You will find career-enhancing opportunities in a supportive workplace that values the contributions of its employees, allowing you to forge meaningful relationships with colleagues and clients alike.
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Credit Analyst employer: Itchy Feet
As a leading employer in the finance sector, we offer a dynamic work environment that fosters collaboration and innovation. Our commitment to employee development is reflected in our comprehensive training programmes and clear career progression paths, ensuring that you can grow alongside the company. Located in a vibrant area, we provide a supportive culture that values work-life balance and encourages meaningful contributions to our financial success.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Analyst
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Itchy Feet. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Credit Analyst
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Itchy Feet.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Itchy Feet's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Itchy Feet
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Itchy Feet.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Itchy Feet will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Itchy Feet employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
