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- Tasks: Analyse credit risk and manage client portfolios in the commodities sector.
- Company: Join a leading firm in the metals trading industry focused on credit risk management.
- Benefits: Enjoy flexible working options and opportunities for professional growth.
- Why this job: Be part of a dynamic team making impactful decisions in a fast-paced environment.
- Qualifications: 2-3 years in commodities credit risk management; strong analytical and communication skills required.
- Other info: Opportunity to work closely with senior management and develop junior staff.
The predicted salary is between 36000 - 60000 £ per year.
To provide efficient and effective credit risk management and assist in protecting the company against bad debts arising from client portfolio through the trade of exchange traded and OTC metals.
Duties
- Support the Head of Credit in the compliance with the credit risk policies and procedures and promote a sound environment for granting, measuring, monitoring and controlling credit risk.
- Perform credit assessment, review and rating (quantitative and qualitative) of potential and current clients/counterparties including corporates, financial institutions, CCPs and State Owned Enterprises.
- Present credit risk assessments and recommendations to the Credit Committee for approval.
- Monitor client exposure against various limits and recommend risk mitigation action against any breaches as per credit policy and procedure.
- Specific overview of the margin call of clients and the reporting/escalation of any breaches of internal controls.
- Maintain and update credit record/documentation of clients, including financials, approved limits, review decisions etc.
- Maintain a portfolio of clients for the regular review of financial and non-financial information that may impact on credit lines provided, making recommendations to the Head of Credit as appropriate.
- Maintain an understanding of all pertinent regulations as well as best practices pertaining to the overall credit operation.
- Continued awareness of market methodological developments with regard to portfolio credit risk measurement techniques and ensure adoption of relevant techniques where appropriate.
- Maintain a focus on the global macro-economic environment, with an understanding of specific country factors that may have an impact on the credit risk assessment of those clients and counterparties incorporated or operating in those countries.
- Perform daily monitoring and reporting of credit risk and other risk reporting duties including monthly MI, ARC/Board meeting MI, group reporting etc.
- Embed group credit risk related policies and procedures to local process.
- Maintain close and effective communication with Risk in relation to credit risk management.
- Work closely with the market risk team where required, such as daily reports.
- Participate in the UAT of in-house back office and risk systems in relation to credit risk reporting/monitoring.
- Other ad hoc duties as assigned by the Head of Credit and the management.
Skills Required
- Proven track record in corporate credit analysis experience, including profit and loss, balance sheet and cash flow analysis.
- Demonstrate a flexible attitude working within a dynamic environment, to quickly resolve issues.
- Track record in compiling researched credit assessments with sound conclusions.
- Experience of reviewing clients that operate in the commodities sector, with a good working knowledge of the key players.
- Represent the Credit Department in client meetings.
- Understanding inherent risk in granting credit lines for IM and VM requirements for clients.
- Strong report writing skills and ability to consolidate large amounts of qualitative and quantitative data.
- Handling trading documentation from risk perspective, typically ISDA/CSA, Terms of Business, Loan Agreement, Guarantee (an advantage).
- Ability to communicate effectively in a manner appropriate to the audience from junior level colleagues to senior management as well as a diverse external client base.
- Ability to assist in the development of junior members of staff.
- Good MS Excel and Word skills.
- Good attention to detail.
- Minimum 2-3 years experience in commodities credit risk management (preferably LME, CME and/or ICE).
Contact Detail:
Orla Rose Associates Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Analyst
✨Tip Number 1
Familiarise yourself with the latest trends in credit risk management, especially within the commodities sector. Understanding the key players and market dynamics will help you stand out during interviews.
✨Tip Number 2
Network with professionals in the industry by attending relevant conferences or webinars. Building connections can provide insights into the role and may even lead to referrals.
✨Tip Number 3
Prepare to discuss specific case studies or examples from your previous experience that demonstrate your ability to assess credit risk effectively. This will showcase your practical knowledge and problem-solving skills.
✨Tip Number 4
Stay updated on regulatory changes and best practices in credit risk management. Being knowledgeable about compliance will show your commitment to maintaining high standards in the role.
We think you need these skills to ace Credit Risk Analyst
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in credit risk analysis, particularly in the commodities sector. Emphasise your skills in financial analysis, report writing, and any specific tools or methodologies you have used.
Craft a Strong Cover Letter: In your cover letter, explain why you are interested in the Credit Risk Analyst position and how your background aligns with the job requirements. Mention your experience with credit assessments and your understanding of market developments.
Showcase Relevant Skills: Clearly outline your skills in quantitative and qualitative analysis, as well as your ability to communicate effectively with various stakeholders. Provide examples of how you've successfully managed credit risk in previous roles.
Proofread Your Application: Before submitting your application, carefully proofread all documents for spelling and grammatical errors. A polished application reflects your attention to detail, which is crucial for a role in credit risk management.
How to prepare for a job interview at Orla Rose Associates
✨Know Your Credit Risk Fundamentals
Make sure you have a solid understanding of credit risk management principles, especially in the context of commodities. Brush up on your knowledge of profit and loss, balance sheets, and cash flow analysis, as these will likely come up during the interview.
✨Prepare for Scenario-Based Questions
Expect to be asked how you would handle specific credit risk scenarios. Think about past experiences where you've assessed client creditworthiness or managed breaches in credit policy, and be ready to discuss your thought process and outcomes.
✨Showcase Your Analytical Skills
Be prepared to demonstrate your ability to compile and analyse both qualitative and quantitative data. You might be asked to present a mock credit assessment, so practice consolidating information clearly and concisely.
✨Communicate Effectively
Since the role involves liaising with various stakeholders, practice articulating complex concepts in a straightforward manner. Tailor your communication style to suit different audiences, from junior colleagues to senior management.
