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For Companies At a Glance
- Tasks: Review credit applications, assess risks, and collaborate with stakeholders to enhance credit standards.
- Company: Join a boutique bank focused on evolving credit risk governance and fostering a collaborative culture.
- Benefits: Enjoy a hybrid working model, competitive salary, and the chance to influence key decisions.
- Why this job: Shape the bank's credit risk framework while working closely with senior leaders in a dynamic environment.
- Qualifications: 5-8 years in credit risk, strong analytical skills, and excellent communication abilities required.
- Other info: Legal documentation experience is a plus; mortgage market knowledge is desirable but not essential.
The predicted salary is between 45000 - 105000 £ per year.
This newly created role offers a fantastic opportunity to work closely with senior stakeholders and help shape the bank's credit risk framework. If you have a background in asset finance or trade finance and a passion for maintaining strong credit standards, we'd love to hear from you.
What You'll Be Doing
- Review and assess credit applications from the front office (1LoD), analysing financial statements and risk factors.
- Evaluate sector, environmental and business risks for proposed transactions.
- Support and improve the bank's risk profile through robust credit guidelines and policy alignment.
- Ensure transactions meet credit sanction and documentation standards.
- Partner with key stakeholders on new deal structures, policy exceptions, and risk control solutions.
- Monitor covenants and proactively identify early warning signs in the loan portfolio.
- Collaborate with other risk disciplines to ensure a holistic, enterprise-wide risk view.
- Maintain an updated credit watchlist and support IFRS 9 provision reporting.
- Prepare and present regular reports to the Credit Risk Committee (CRECO).
- Draft minutes for Credit Committee meetings.
- Ensure compliance with Consumer Duty regulations and maintain a customer-first approach.
What We're Looking For
- 5-8 years' experience in credit risk, with exposure to trade finance.
- Strong credit underwriting and structured finance expertise.
- Knowledge of key trade instruments and associated risks.
- A self-starter with strong analytical skills, attention to detail, and business acumen.
- Excellent communication and interpersonal skills to influence and align with business goals.
- Proven ability to operate effectively under pressure in a time-sensitive environment.
- Legal documentation experience is a plus.
- Proficiency in Excel and a strong understanding of MI and EOD reports.
- Mortgage market experience is desirable but not essential.
Why Join Us?
- Be part of a small, high-impact team reporting directly to the Chief Risk Officer.
- Work in a collaborative, flexible environment where your voice is heard.
- Contribute to the evolution of the bank's credit risk governance in a role with visibility and influence.
- Hybrid working model with three days in the office and flexibility for remote work.
- Salary up to £75,000.00 Per Annum.
This is a unique chance to step into a pivotal role at a boutique institution that values initiative, expertise, and a proactive approach to risk.
Credit Analyst - LMA employer: LMA
Contact Detail:
LMA Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Analyst - LMA
✨Tip Number 1
Network with professionals in the credit risk and finance sectors. Attend industry events or webinars where you can meet potential colleagues or stakeholders. Building these connections can give you insights into the role and may even lead to referrals.
✨Tip Number 2
Familiarise yourself with the latest trends and regulations in credit risk management, especially those related to trade finance. This knowledge will not only help you in interviews but also demonstrate your commitment to staying updated in the field.
✨Tip Number 3
Prepare to discuss specific examples from your past experience that showcase your analytical skills and ability to manage credit risks. Think about situations where you successfully influenced stakeholders or improved credit processes.
✨Tip Number 4
Research StudySmarter and understand our values and culture. Tailor your conversations during interviews to reflect how your skills and experiences align with our mission and the specific needs of the Credit Analyst role.
We think you need these skills to ace Credit Analyst - LMA
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your experience in credit risk, particularly in trade finance. Use specific examples that demonstrate your analytical skills and attention to detail, as these are crucial for the role.
Craft a Compelling Cover Letter: In your cover letter, express your passion for maintaining strong credit standards and your understanding of the bank's credit risk framework. Mention how your background aligns with the responsibilities outlined in the job description.
Highlight Relevant Skills: Emphasise your proficiency in Excel and any experience with legal documentation. Also, showcase your ability to operate under pressure and your strong communication skills, as these will be key in collaborating with stakeholders.
Prepare for Potential Questions: Think about how you would approach evaluating sector and business risks. Be ready to discuss your previous experiences in credit underwriting and how you've contributed to improving risk profiles in past roles.
How to prepare for a job interview at LMA
✨Know Your Credit Risk Fundamentals
Make sure you brush up on your credit risk knowledge, especially in asset and trade finance. Be prepared to discuss how you would assess credit applications and evaluate risks, as this will be a key part of the role.
✨Showcase Your Analytical Skills
Prepare examples that demonstrate your strong analytical skills and attention to detail. Discuss specific instances where you've successfully identified risks or improved credit guidelines in previous roles.
✨Communicate Effectively
Since the role involves partnering with senior stakeholders, practice articulating your thoughts clearly and confidently. Be ready to explain complex financial concepts in a way that aligns with business goals.
✨Understand Regulatory Compliance
Familiarise yourself with Consumer Duty regulations and how they impact credit risk management. Be prepared to discuss how you would ensure compliance while maintaining a customer-first approach.
