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For Companies At a Glance
- Tasks: Manage structured financing credit risks and evaluate credit applications.
- Company: Join a leading bank focused on global markets and strategic lending.
- Benefits: Enjoy competitive pay, professional development, and a dynamic work environment.
- Why this job: Be part of a team that drives change and impacts financial decisions globally.
- Qualifications: Experience in credit analysis and strong understanding of financial accounting required.
- Other info: Opportunity to mentor junior team members and engage in impactful projects.
The predicted salary is between 72000 - 100000 £ per year.
The Corporate Credit Team is responsible for providing management and analytical support for the Bank’s activities in its Global Markets business areas (FIC and Commodities) and implementing the Bank’s credit procedures and policies, including approval of credit limits. It is also responsible for managing a portfolio of structured financing credit risks associated with the Bank’s strategic lending transactions and related investing activities, with the primary objective of managing risk within acceptable parameters.
This role primarily involves managing a portfolio of structured financing credit risks associated with the Bank’s strategic lending transactions and related investing activities, with the primary objective of structuring, assessing and managing risk within acceptable parameters. The candidate may also support the Bank’s commodities related counterparty portfolio, for both financing and derivatives products.
Key Responsibilities
- Evaluation and Approval of Credit Applications:
- Ownership and understanding of the risk profile of the structured transaction credit portfolio.
- Formulation and evaluation of credit proposals, with a comprehensive risk assessment for new or increased facilities, in addition to annual reviews on the existing portfolio. Undertake quantitative and qualitative financial analysis to develop a comprehensive understanding of counterparty and structural risks.
- Provide support to senior Credit management in all aspects.
- Close working relationship and engagement with Deal Teams.
- Prepare and present applications to Credit Committee and other Risk forums involving Senior Management.
- Articulate credit appetite and give guidance on structure of deals and documents required to mitigate risks as far as possible.
- Coordinate and ensure that post-approval implementation of facilities and legal documentation is in accordance with the conditions of sanction.
- Follow up and address non-adherence to terms and conditions of sanction by counterparties; to consider the inherent risk therein and to make recommendations as to action to be taken to regularise or mitigate such increased risk.
- Participate in ad-hoc projects and portfolio reviews as required from time to time.
- Proactively communicate key risks as they arise.
- Overall management of the portfolio of accounts with appropriate escalation, including credit limit monitoring.
- Monitoring, questioning and understanding changes in credit quality in any counterparty/industry.
- Demonstrate and/or develop a proactive, “Change the Bank” mind-set.
- Identify and drive change within Credit and the Business by initiating and owning change projects as necessary.
- Support the training and development of graduates and junior team members.
- Support the BS&R team with management of Watchlist and Non-Performing names.
Preferred Qualifications and Experience
- Knowledge, technical skills and expertise:
- Experience in writing credit applications and analysing transactions within the credit risk department of a Financial Institution.
- Good understanding of accounting (both management and financial accounting) to analyse financial strengths and weaknesses of clients and identify potential risks to credit proposals.
- Good understanding of lending and derivative products across sectors, including ability to analyse and interpret cash-flow models and conduct sensitivity analysis.
- Ability to understand structured deals and provide guidance to ensure sound security / covenant structures are in place.
- Ability to interact with Front Office providing credit support to Deal Teams and Sales Teams.
- Experience of engaging with clients to discuss transaction terms and related credit risks.
- Working knowledge of the risk systems for monitoring and related procedures for analysing the account behaviour of clients and identifying trends and shifts in credit risk profiles.
- Conceptual and practical knowledge of credit procedures, policies and standards.
- A track record of operating with a personal delegated approval authority.
- Prior experience dealing with non-performing and/or defaulted names, including recoveries, would be beneficial but is not essential.
- Self-starter with a sound work ethic.
- Confident and effective communicator (both verbal and written).
- Attention to detail.
- Strong organisational skills.
Emerging Markets Corporate Credit - Senior Manager employer: Morgan McKinley
Contact Detail:
Morgan McKinley Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Emerging Markets Corporate Credit - Senior Manager
✨Tip Number 1
Familiarise yourself with the latest trends in emerging markets and structured financing. Understanding the current economic landscape will help you articulate your insights during interviews, showcasing your ability to assess risks effectively.
✨Tip Number 2
Network with professionals in the corporate credit space, especially those who have experience in structured financing. Engaging in conversations can provide you with valuable insights and potentially lead to referrals that could enhance your application.
✨Tip Number 3
Prepare to discuss specific credit applications you've worked on in the past. Be ready to explain your analytical process and how you managed risk, as this will demonstrate your hands-on experience and understanding of the role's responsibilities.
✨Tip Number 4
Showcase your leadership skills by discussing any initiatives you've led or participated in that drove change within your previous roles. This will highlight your proactive mindset and ability to contribute positively to our team at StudySmarter.
We think you need these skills to ace Emerging Markets Corporate Credit - Senior Manager
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in credit risk management and structured financing. Use specific examples that demonstrate your analytical skills and understanding of credit procedures.
Craft a Compelling Cover Letter: In your cover letter, express your enthusiasm for the role and the company. Discuss how your background aligns with the responsibilities outlined in the job description, particularly your experience in evaluating credit applications and managing risks.
Showcase Relevant Skills: Emphasise your technical skills related to financial analysis, understanding of lending products, and ability to communicate effectively with deal teams. Mention any experience you have with credit systems and monitoring procedures.
Prepare for Potential Questions: Anticipate questions related to your experience with credit applications and risk assessment. Be ready to discuss specific transactions you've worked on and how you managed associated risks, as this will demonstrate your expertise in the field.
How to prepare for a job interview at Morgan McKinley
✨Know Your Credit Fundamentals
Make sure you have a solid understanding of credit risk assessment and the specific credit procedures relevant to the role. Be prepared to discuss your experience with writing credit applications and analysing transactions, as this will be crucial in demonstrating your fit for the position.
✨Showcase Your Analytical Skills
Be ready to provide examples of how you've conducted quantitative and qualitative financial analyses in previous roles. Highlight your ability to assess counterparty risks and articulate your thought process when evaluating credit proposals.
✨Demonstrate Leadership Qualities
Since the role involves leading change and supporting junior team members, think of instances where you've taken initiative or led projects. Share how you've contributed to team development and fostered a proactive mindset within your previous teams.
✨Engage with Real-World Scenarios
Prepare for situational questions that may involve managing credit risks or dealing with non-performing names. Think through how you would approach these scenarios, and be ready to discuss your strategies for mitigating risks and ensuring compliance with credit policies.
