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- Tasks: Analyse credit risks and develop financial models for effective credit management.
- Company: Leading bank with a focus on innovation and teamwork.
- Benefits: Competitive salary, professional development, and dynamic work environment.
- Why this job: Join a vital role in shaping financial strategies and making impactful decisions.
- Qualifications: Degree in Finance, Business, or Economics; relevant qualifications preferred.
- Other info: Opportunity to work in a fast-paced banking environment with career growth.
The predicted salary is between 48000 - 72000 £ per year.
As a Senior Credit Analyst - Corporates, your responsibility will be to complete the credit risk applications and perform ongoing monitoring of customers to ensure proactive and early identification of any credit concerns. You will also be responsible for developing solid industry vertical practices between first line of defence (1LoD) coverage and second line of defence (2LoD) credit for effective end-to-end credit management process.
Key responsibilities
- Assess proposals submitted to Credit Management Department from the Front Office Departments and write credit reports in respect of the business proposals. This includes research and evaluation of counterparty management, industry and transaction risk, financial accounts, cash flows and forecasts as well as identifying the key risks and mitigating them in the proposal.
- Attend relevant Credit Committees to present a summary of credit reports to the Committee and answer any questions from Committee members.
- Support 1LoD coverage in business strategy definition and in on-boarding new FI and Corporate clients.
- Regularly monitor the risk situations of borrowers in an allocated portfolio, as well as industry risks where particular responsibility for an industry has been allocated.
- Develop and maintain financial models aimed at automating a number of tasks not limited to the collection of historic financials and various models aimed at monitoring credit and market signals.
- Review and enhance select internal processes with a view to adopt a dynamic risk-based approach commensurate with the low risk profile of the corporate portfolio.
- Prepare statistics reports relating to the Bank’s businesses, portfolios and sectors.
- Manage the CCMS approval process from start to completion and work with front office to manage time frames and expectations.
- Compose and update credit applications including waiver requests, limit renewals and proposals for new transactions.
Requirements
- Degree educated preferably in Finance, Business or Economics.
- Relevant professional qualification is considered useful (e.g. MBA, ACIB, CFA, FRM).
- Knowledge/experience of oil & gas and/or commodities an advantage.
- Comprehensive knowledge of legal documentation specific to Banking and CCP businesses.
- Demonstrated financial and modelling skills.
- Advanced MS Office (Word, Excel, PowerPoint) skills.
Senior Credit Analyst - Corporates employer: MW Recruitment Limited
Contact Detail:
MW Recruitment Limited Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Analyst - Corporates
✨Tip Number 1
Network like a pro! Reach out to your connections in the finance and banking sectors. We all know that sometimes it’s not just what you know, but who you know. Attend industry events or webinars to meet potential employers and make a lasting impression.
✨Tip Number 2
Prepare for interviews by researching the company and its credit management practices. We want you to be able to discuss how your skills align with their needs, especially in areas like risk assessment and financial modelling. Show them you’re the perfect fit!
✨Tip Number 3
Practice your presentation skills! As a Senior Credit Analyst, you’ll need to present credit reports confidently. We suggest doing mock presentations with friends or mentors to get comfortable answering questions on the spot.
✨Tip Number 4
Don’t forget to apply through our website! We’ve got loads of resources to help you land that Senior Credit Analyst role. Plus, applying directly shows your enthusiasm and commitment to joining our team.
We think you need these skills to ace Senior Credit Analyst - Corporates
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Senior Credit Analyst role. Highlight your experience in credit risk applications and any relevant financial modelling skills. We want to see how your background aligns with what we’re looking for!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you’re passionate about credit analysis and how your skills can benefit us at StudySmarter. Keep it concise but impactful!
Showcase Relevant Experience: When filling out your application, don’t forget to showcase your experience with industry vertical practices and risk management. We love seeing candidates who understand the nuances of the banking sector!
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It helps us keep track of your application and ensures you don’t miss out on any important updates from us!
How to prepare for a job interview at MW Recruitment Limited
✨Know Your Numbers
As a Senior Credit Analyst, you'll need to be comfortable with financial data. Brush up on your financial modelling skills and be ready to discuss how you've used them in past roles. Prepare examples of how you've assessed credit risk and the impact of your analyses.
✨Research the Industry
Familiarise yourself with the oil & gas and commodities sectors, as this knowledge could set you apart. Understand current trends, risks, and opportunities in these industries. This will not only help you answer questions but also show your genuine interest in the role.
✨Prepare for Committee Questions
Since you'll be presenting to Credit Committees, practice summarising your credit reports clearly and concisely. Anticipate potential questions they might ask and prepare thoughtful responses. This will demonstrate your confidence and expertise.
✨Showcase Your Process Improvement Skills
The job involves enhancing internal processes, so be ready to discuss any past experiences where you've improved efficiency or implemented new systems. Highlight your ability to adopt a dynamic risk-based approach and how it benefited your previous employers.
