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- Tasks: Conduct credit analysis and produce recommendations for clients in a dynamic financial environment.
- Company: Join a global financial services platform that connects clients to energy, commodities, and financial markets.
- Benefits: Enjoy opportunities for remote work, professional development, and networking with industry leaders.
- Why this job: Be part of a team that influences major financial decisions and enhances credit risk policies.
- Qualifications: University graduate or relevant experience; strong analytical skills and knowledge of financial statements required.
- Other info: Fluency in additional languages is a plus; experience in regulated environments is beneficial.
The predicted salary is between 36000 - 60000 £ per year.
Our client is a global financial services platform that provides market access and infrastructure services, including execution, clearing, and hedging, to clients in energy, commodities, and financial markets, acting as both a broker and a dealer.
You will take ownership of the credit analysis for a proportion of the client base, in conjunction with other credit analysts, to ensure a thorough understanding of each client’s business model and financials as well as the impact of macroeconomic events on each client. You will also produce well-researched and articulated recommendations for credit facilities submitted to the Head of Credit, Head of Risk, CRO and Credit Committee.
- Qualitative and quantitative analysis of all current and potential clients and counterparties including Corporates, Financial Institutions, Individuals, CCPs and State Owned (or pseudo State Owned) Enterprises.
- Continual focus on global macro-economic environment with understanding of specific country factors and the impact of those factors on the credit risk assessment with regard to clients and counterparties incorporated or operating in those countries.
- Form well-researched and intellectually credible recommendations to the CRO and Credit Committee for new credit facilities and renewals.
- High levels of interaction with clients, as required, on both a domestic and international basis.
- Management information reporting where relevant on a periodic and ad hoc basis.
- Act as an advisor and subject matter expert to guide the business for all credit related items and manage the credit facility application/review process for the allocated client base.
- Contribute to enhancing existing and/or implementation of new credit risk policies, procedures and processes to drive the department forward and ensure adherence to best practice.
- Communicate and escalate all relevant items to the Credit Manager, Head of Risk and the CRO as appropriate.
- Effective report writing skills with an ability to distil complex information to a ‘key risks’ summary to enable management decision making.
- Excels at building relationships, networking and influencing others.
- Strong and demonstrable understanding of corporate financial statement analysis gained ideally through an investment banking or institutional brokerage background.
- Track record in forming well researched conclusions on credit assessments including internally modelled credit ratings and recovery potential in the event of default.
- Understanding credit risk inherent in granting credit facilities to cover the margin requirements (initial and variation) of futures and options.
- University graduate (or equivalent) or sufficient relevant work experience.
- Good knowledge of MS Excel and Word required, Bloomberg is advantageous.
- Additional language skills other than English is desirable.
- Experience working in a regulated environment and knowledge of the risk and compliance requirements associated with this.
Associate Credit Analyst employer: Morgan McKinley
Contact Detail:
Morgan McKinley Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Associate Credit Analyst
✨Tip Number 1
Familiarise yourself with the latest trends in the global macroeconomic environment. Understanding how these factors influence credit risk assessments will not only help you in interviews but also demonstrate your proactive approach to the role.
✨Tip Number 2
Network with professionals in the financial services sector, especially those involved in credit analysis. Engaging in conversations can provide insights into the industry and may even lead to referrals or recommendations for the position.
✨Tip Number 3
Brush up on your corporate financial statement analysis skills. Being able to interpret and analyse financial data effectively will be crucial in your role, and showcasing this knowledge during discussions can set you apart from other candidates.
✨Tip Number 4
Consider obtaining additional certifications related to credit risk management or financial analysis. This not only enhances your qualifications but also shows your commitment to professional development in the field.
We think you need these skills to ace Associate Credit Analyst
Some tips for your application 🫡
Understand the Role: Before applying, make sure you fully understand the responsibilities of an Associate Credit Analyst. Familiarise yourself with credit analysis, macroeconomic factors, and the specific requirements mentioned in the job description.
Tailor Your CV: Customise your CV to highlight relevant experience in credit analysis, financial statement analysis, and any previous roles in regulated environments. Emphasise skills that align with the job, such as report writing and relationship building.
Craft a Compelling Cover Letter: Write a cover letter that showcases your understanding of the financial services industry and your analytical skills. Mention specific experiences that demonstrate your ability to produce well-researched recommendations and manage client relationships.
Highlight Relevant Skills: In your application, emphasise your proficiency in MS Excel and Word, as well as any experience with Bloomberg. If you have additional language skills or experience in investment banking, be sure to include these as they can set you apart from other candidates.
How to prepare for a job interview at Morgan McKinley
✨Understand the Financial Landscape
Make sure you have a solid grasp of the current macroeconomic environment and how it affects credit risk. Be prepared to discuss recent economic events and their potential impact on clients' financials.
✨Showcase Your Analytical Skills
Be ready to demonstrate your ability to conduct both qualitative and quantitative analyses. Bring examples of past credit assessments you've worked on, highlighting your thought process and conclusions.
✨Communicate Clearly and Effectively
Practice distilling complex information into concise summaries. You may be asked to explain your findings or recommendations, so clarity in communication is key to impressing the interviewers.
✨Build Rapport with Interviewers
Since the role involves high levels of interaction with clients, showcasing your relationship-building skills during the interview can set you apart. Engage with your interviewers, ask insightful questions, and show genuine interest in their perspectives.
