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- Tasks: Analyse credit applications and assess risks to support the bank's growth.
- Company: Join an international bank with a strong focus on risk management.
- Benefits: Competitive salary, professional development, and a dynamic work environment.
- Why this job: Make a real impact in credit risk oversight and grow your career.
- Qualifications: Experience in credit risk analysis and strong communication skills.
- Other info: Collaborative team atmosphere with opportunities for career advancement.
The predicted salary is between 36000 - 60000 ÂŁ per year.
An international bank is expanding its Risk function with a newly created position focused on Credit Risk Analyst. Reporting into the Chief Risk Officer, this role offers an opportunity to play a key part in developing and strengthening the bank’s credit risk oversight across asset finance and trade finance portfolios. You’ll be joining a small, experienced Risk team responsible for independent oversight of the credit function. This role is ideal for someone who understands credit risk in the asset finance space, enjoys working across business lines, and wants to add value in a growing organisation.
KEY RESPONSIBILITIES:- Assessing the credit applications received from Front Office (1LoD); assess credit risk through analysis of financial statements and other relevant credit data.
- Evaluate sector, environmental and business risks associated with the credit requests.
- Manage and improve the risk profile within the customer segment by implementing lending and credit guidelines and ensuring credit standards are consistent with the bank's credit policy.
- Review transactions and ensure compliance with credit sanctions and documentation requirements.
- Partner with key stakeholders to review new structures, policy exceptions and control solutions.
- Interact and manage expectations with 1LoD (business and sales team) and guide them in risk identification, analysis and presentation.
- Monitor customer covenants.
- Assist in coordinating any drawdowns in facility and maintain appropriate records and reporting as required.
- Work collaboratively with other risk disciplines such as operational risk where appropriate to ensure an enterprise-wide view of risk is considered for a counterparty, portfolio, asset class etc.
- Maintain an updated watchlist and inform the team of any news that may change a recommendation or require senior management action.
- Liaise with Finance for IFRS 9 provision model calculating & reporting.
- Proactively monitor loan portfolio and identify important early warning signals for 1LoD.
- Prepare monthly CRECO reports and provide recommendations to the committee.
- Attend Credit Committee meetings for the purpose of taking notes and subsequently drafting a full set of minutes for approval by the committee members.
- Abide by the requirement of the FCA’s Consumer Duty Regulations to ensure customers’ needs are placed first and fairness and good value remains at the heart of the Bank’s products and services.
- Other functions and tasks as may be required to assist the CRO.
- Strong experience in Credit Risk and/or Trade Finance Risk (experience in emerging markets advantageous).
- Proven credit underwriting and risk analysis skills.
- Solid understanding of traditional trade instruments and structured finance transactions.
- Ability to work effectively in a fast-paced, multi-tasking environment.
- Excellent stakeholder management and communication skills.
- Strong attention to detail, organisation, and Excel proficiency.
- Experience reviewing or negotiating legal documentation is beneficial.
- Self-starter with a proactive, “can-do” mindset.
Credit Risk Analyst employer: Saxton Leigh
Contact Detail:
Saxton Leigh Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Analyst
✨Tip Number 1
Network like a pro! Reach out to people in the industry, especially those already working in credit risk. A friendly chat can lead to insider info about job openings or even a referral.
✨Tip Number 2
Prepare for interviews by brushing up on your technical skills and understanding of credit risk. We recommend practising common interview questions and scenarios related to asset finance and trade finance.
✨Tip Number 3
Showcase your analytical skills! During interviews, be ready to discuss how you've assessed credit applications or managed risk profiles in previous roles. Real-life examples will make you stand out.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who are proactive about their job search.
We think you need these skills to ace Credit Risk Analyst
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Credit Risk Analyst role. Highlight your experience in credit risk and trade finance, and don’t forget to showcase any relevant skills that match the job description. We want to see how you can add value to our team!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about credit risk and how your background makes you a perfect fit for this role. Keep it engaging and personal – we love to see your personality come through!
Showcase Your Skills: In your application, be sure to highlight your analytical skills and attention to detail. Mention specific examples of how you've assessed credit applications or managed risk profiles in the past. We’re looking for someone who can hit the ground running!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way to ensure your application gets into the right hands. Plus, it shows us you’re serious about joining our team at StudySmarter!
How to prepare for a job interview at Saxton Leigh
✨Know Your Credit Risk Fundamentals
Make sure you brush up on your credit risk knowledge, especially in asset finance and trade finance. Be prepared to discuss specific examples of how you've assessed credit applications and managed risk profiles in previous roles.
✨Showcase Your Analytical Skills
During the interview, highlight your experience with financial statement analysis and risk evaluation. Bring along examples of reports or analyses you've completed that demonstrate your ability to identify sector and environmental risks.
✨Engage with Stakeholders
Since this role involves partnering with various stakeholders, be ready to discuss how you've effectively communicated and collaborated with different teams in the past. Share instances where your guidance helped in risk identification or policy exceptions.
✨Demonstrate Your Proactive Mindset
Employers love a self-starter! Talk about times when you've taken the initiative to monitor loan portfolios or implement new lending guidelines. Show them that you're not just reactive but also proactive in managing credit risk.
