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- Tasks: Evaluate credit risks in commercial real estate and commodity finance proposals.
- Company: Join a leading bank focused on minimising credit-related losses.
- Benefits: Enjoy a full-time role with opportunities for professional growth and development.
- Why this job: Be part of a dynamic team making impactful financial decisions in a collaborative environment.
- Qualifications: 8-10 years in credit review, with strong analytical and negotiation skills required.
- Other info: Opportunity to work independently while contributing to a supportive team culture.
The predicted salary is between 43200 - 72000 £ per year.
This position mainly focuses on Commercial Real Estate & Commodity Finance business and may also cover some other sector's credit business based on the types of proposal from front office.
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:
- Complete credit evaluation report 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 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.
- Achieve timely turnaround of credit proposals and reviews, in accordance with pre-agreed Departmental objectives.
- Provide Head of CRD and DGM (credit) 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: monitor the credit ceilings and credit exposures carefully to ensure loan performing well with all covenants well maintained; monitor the financial performance of the borrower regularly associated with market and industry dynamics; monitor the conditions subsequent and ensure all conditions are met at any time through the loan life.
- Perform credit review and research of industry/customer-related information for all new proposals and (on at least an annual basis) for existing customers.
- Proactively monitor industry and sector trends as well as counterparty risks for early warning signals.
- Other functions and tasks as may be required to assist the Head/Deputy Head of Credit Risk.
Skills Required:
- Possesses a minimum of 8-10 years' work experience in credit review area in Commercial Real Estate & Commodity Finance.
- 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.
- Exceptional analytical and negotiation skills and dedicated problem solver with a positive personality and can-do attitude.
- Collaborative personality and ability to complete tasks independently.
Seniority Level: Mid-Senior level
Industry: Banking, Investment Banking, Financial Services
Employment Type: Full-time
Job Functions: Accounting/Auditing, Finance
Skills: Credit Analysis, Risk Analysis, Risk Management, Commodity Risk Management, Structured Commodity Finance (SCF), Commercial Real Estate
Senior Credit Analyst employer: Marks Sattin
Contact Detail:
Marks Sattin Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Analyst
✨Tip Number 1
Familiarise yourself with the latest trends in Commercial Real Estate and Commodity Finance. Understanding current market dynamics will not only help you in interviews but also demonstrate your proactive approach to credit risk analysis.
✨Tip Number 2
Network with professionals in the banking and finance sector, especially those who specialise in credit analysis. Engaging with industry experts can provide valuable insights and potentially lead to referrals for the position.
✨Tip Number 3
Prepare to discuss specific case studies or examples from your past experience that highlight your analytical skills and ability to manage credit risks. This will showcase your expertise and readiness for the role.
✨Tip Number 4
Stay updated on regulatory changes affecting credit policies and risk management in the banking sector. Being knowledgeable about compliance will set you apart as a candidate who understands the broader implications of credit decisions.
We think you need these skills to ace Senior Credit Analyst
Some tips for your application 🫡
Understand the Role: Before applying, make sure to thoroughly understand the responsibilities and skills required for the Senior Credit Analyst position. Familiarise yourself with Commercial Real Estate and Commodity Finance sectors, as well as the specific credit policies mentioned in the job description.
Tailor Your CV: Craft your CV to highlight relevant experience in credit analysis, particularly in Commercial Real Estate and Commodity Finance. Emphasise your analytical skills, risk management experience, and any specific achievements that align with the job requirements.
Write a Compelling Cover Letter: Your cover letter should reflect your understanding of the role and how your background makes you a suitable candidate. Discuss your experience in credit evaluation, risk analysis, and your ability to provide clear recommendations to a Credit Committee.
Proofread and Edit: Before submitting your application, carefully proofread your CV and cover letter. Check for any grammatical errors or typos, and ensure that your documents are clear and professional. A polished application reflects your attention to detail, which is crucial for a credit analyst.
How to prepare for a job interview at Marks Sattin
✨Showcase Your Analytical Skills
As a Senior Credit Analyst, your ability to analyse financial data is crucial. Be prepared to discuss specific examples of how you've conducted credit evaluations and the methodologies you used to assess risk in previous roles.
✨Understand the Industry Trends
Demonstrate your knowledge of current trends in Commercial Real Estate and Commodity Finance. Research recent developments and be ready to discuss how these might impact credit risk assessments and decision-making.
✨Prepare for Scenario-Based Questions
Expect scenario-based questions that test your problem-solving abilities. Think about past experiences where you had to make tough credit decisions and be ready to explain your thought process and the outcomes.
✨Emphasise Collaboration and Independence
Highlight your ability to work both independently and collaboratively. Share examples of how you've successfully navigated team dynamics while maintaining an objective view in credit processes.
