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- Tasks: Conduct credit analysis and produce recommendations for clients in financial markets.
- Company: Join a global financial services platform with a focus on energy and commodities.
- Benefits: Enjoy opportunities for remote work and gain valuable industry experience.
- Why this job: Be part of a dynamic team influencing credit decisions and enhancing risk policies.
- Qualifications: University graduate or relevant experience; strong analytical skills required.
- Other info: Additional language skills and knowledge of compliance are a plus.
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.
Credit Analyst (Associate) employer: Morgan McKinley
Contact Detail:
Morgan McKinley Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Analyst (Associate)
✨Tip Number 1
Familiarise yourself with the latest trends in the global macroeconomic environment. Understanding how these factors impact credit risk assessments will not only enhance your knowledge but also demonstrate your proactive approach during interviews.
✨Tip Number 2
Network with professionals in the financial services sector, especially those who work in credit analysis or risk management. Building relationships can provide you with insights into the role and may even lead to referrals.
✨Tip Number 3
Brush up on your report writing skills. Being able to distil complex information into concise summaries is crucial for this role, so practice creating reports that highlight key risks and recommendations.
✨Tip Number 4
Gain a solid understanding of corporate financial statement analysis. If you have access to case studies or real-world examples, use them to practice your analytical skills, as this will be vital in forming well-researched conclusions.
We think you need these skills to ace Credit Analyst (Associate)
Some tips for your application 🫡
Understand the Role: Before applying, make sure you fully understand the responsibilities of a 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 investment banking or brokerage. Emphasise your skills in report writing and your understanding of credit risk.
Craft a Compelling Cover Letter: Write a cover letter that showcases your analytical skills and ability to form well-researched recommendations. Mention your experience with client interactions and how you can contribute to enhancing credit risk policies.
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 a regulated environment, be sure to include those as well.
How to prepare for a job interview at Morgan McKinley
✨Understand the Company and Its Market
Before your interview, make sure to research the global financial services platform thoroughly. Understand their role in the market, especially in energy, commodities, and financial markets. This knowledge will help you articulate how your skills align with their needs.
✨Showcase Your Analytical Skills
Be prepared to discuss your experience with qualitative and quantitative analysis. Highlight specific examples where you've successfully assessed credit risk or financial statements, as this is crucial for the role of a Credit Analyst.
✨Prepare for Scenario-Based Questions
Expect questions that assess your ability to handle real-world scenarios related to credit analysis. Think about how you would approach evaluating a new client or responding to macroeconomic changes affecting credit risk.
✨Demonstrate Strong Communication Skills
Since the role involves high levels of interaction with clients and internal stakeholders, practice articulating complex information clearly. Be ready to explain how you would summarise key risks for management decision-making.
