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For Companies At a Glance
- Tasks: Analyse credit applications and assess financial risks while collaborating with key stakeholders.
- Company: Join a boutique bank focused on innovative credit risk governance and strong team dynamics.
- Benefits: Enjoy a hybrid work model, competitive salary, and a collaborative environment where your ideas matter.
- Why this job: Shape the bank's credit risk framework and make a real impact in a high-visibility role.
- Qualifications: 5-8 years in credit risk, strong analytical skills, and excellent communication abilities required.
- Other info: Opportunity to work directly with the Chief Risk Officer and influence key decisions.
The predicted salary is between 45000 - 75000 £ 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 would 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 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 Risk Analyst | London, UK | Hybrid employer: LMA
Contact Detail:
LMA Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Analyst | London, UK | Hybrid
✨Tip Number 1
Familiarise yourself with the latest trends in credit risk management, especially in trade finance. This will not only help you understand the current landscape but also enable you to engage in meaningful conversations with stakeholders during interviews.
✨Tip Number 2
Network with professionals in the credit risk field, particularly those who have experience in asset and trade finance. Attend industry events or webinars to build connections that could lead to referrals or insider information about the role.
✨Tip Number 3
Prepare to discuss specific examples from your past experience where you've successfully assessed credit applications or improved risk profiles. Being able to articulate your contributions will demonstrate your expertise and fit for the role.
✨Tip Number 4
Showcase your analytical skills by being ready to discuss how you approach financial statement analysis and risk evaluation. Consider preparing a case study or example that highlights your thought process and decision-making abilities.
We think you need these skills to ace Credit Risk Analyst | London, UK | Hybrid
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in credit risk, particularly in asset finance or trade finance. Use specific examples to demonstrate your analytical skills and understanding of credit underwriting.
Craft a Compelling Cover Letter: Write a cover letter that showcases your passion for maintaining strong credit standards and your ability to work with senior stakeholders. Mention how your background aligns with the responsibilities outlined in the job description.
Highlight Key Skills: Emphasise your strong analytical skills, attention to detail, and communication abilities. Provide examples of how you've successfully influenced business goals or improved risk profiles in previous roles.
Prepare for Interviews: Anticipate questions related to credit risk assessment and your experience with financial statements. Be ready to discuss how you would approach evaluating sector and environmental risks for proposed transactions.
How to prepare for a job interview at LMA
✨Understand the Credit Risk Framework
Familiarise yourself with the bank's credit risk framework and be prepared to discuss how your experience aligns with their standards. Highlight any specific methodologies or tools you've used in previous roles that could benefit their processes.
✨Showcase Analytical Skills
Prepare to demonstrate your analytical skills by discussing past experiences where you assessed credit applications or evaluated risks. Use specific examples to illustrate your thought process and decision-making abilities.
✨Communicate Effectively
Since the role involves collaboration with senior stakeholders, practice articulating your thoughts clearly and confidently. Be ready to explain complex concepts in a straightforward manner, showcasing your excellent communication skills.
✨Prepare for Scenario Questions
Expect scenario-based questions that assess your problem-solving abilities under pressure. Think of examples where you identified early warning signs in a loan portfolio or dealt with policy exceptions, and be ready to discuss your approach.
