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- Tasks: Analyse credit risks and provide recommendations to minimise losses for the bank.
- Company: Join an international bank with a strong reputation in financial services.
- Benefits: Enjoy competitive pay, potential remote work options, and professional development opportunities.
- Why this job: Be part of a dynamic team that impacts financial decisions and drives business success.
- Qualifications: 3-5 years in Project/Structured Finance credit review; strong analytical skills required.
- Other info: Opportunity to work on diverse projects and collaborate with industry experts.
The predicted salary is between 36000 - 60000 £ per year.
Our Client, an international Bank is seeking a Credit Analyst for their Credit Risk Department in London. Further details below:
Principal Purpose of the Job: Minimise the Bank’s credit-related losses by identifying and reasonably measuring the credit risks and mitigants in proposals, reviews, etc. Make clear and unambiguous recommendations to Credit Committee, in accordance with the Bank’s credit policies, regarding the acceptability of particular business deals from a credit perspective whilst simultaneously maintaining an independent and objective view within the credit process. Effectively monitoring, identifying and reasonably measuring credit risk within the Bank’s asset portfolio.
Reporting Relationship: The Credit Risk Department is in charge of the Credit Approval and Credit Management functions. This role will report to the Deputy Head/Manager in Credit Risk Department who is in charge of the credit approval work in CRD.
Provide credit evaluation report for various credit products which provides overview of transactions, financial and non-financial risk analysis, key risks identified with the associated mitigation if any as well as credit recommendation (including suggested credit enhancement as well as management conditions). Assisting with the implementation of credit risk appetite, credit policies and procedures and management processes once they are established. Make sure the credit transactions are compliant with credit policies. This position mainly focuses on project finance business and may also cover some other sector’s credit business based on the types of proposals from front office.
Provide effective challenges as well as guidance to the proposals from Front Office; Draft and present credit opinions to Credit Committee, by maintaining an objective and independent view within the credit process, in accordance with the Bank’s credit policies. Achieve timely turnaround of credit proposals and reviews, in accordance with pre-agreed Departmental objectives. Provide Head of CRD and DGM (Credit) as well as Credit Committee with the professional risk analysis and appropriate risk mitigation measure in a timely manner.
Conduct post lending management work including but not limited to (1) monitor the credit ceilings and credit exposures carefully to ensure loan performing well with all covenants well maintained, (2) monitor the financial performance of the borrower regularly associated with market and industry dynamics, (3) monitor the conditions subsequent and ensure all conditions are met at any time through the loan life. Perform credit review and research of industry/customer-related information for all new proposals and (on at least an annual basis) for existing customers. Proactively monitor industry and sector trends as well as counterparty risks for early warning signals. Other functions and tasks as may be required to assist the Head/Deputy Head of Credit Risk. The incumbent must comply with the requirements under the Senior Managers and Certification Regime.
Skills Required: Possesses a minimum of 3-5 years' work experience in Project Finance/Structured Finance credit review area. In-depth knowledge and deep understanding of risks and mitigations across different industries, countries and clients’ type. Business and economy related know-how, and excellent financial analysis, projection and stress test skills. Exceptional analytical and negotiation skills and dedicated problem solver with a positive personality and can-do attitude. Collaborative personality and ability to complete tasks independently.
Credit Analyst, Credit Risk Department employer: Wintermann Search
Contact Detail:
Wintermann Search Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Analyst, Credit Risk Department
✨Tip Number 1
Familiarise yourself with the latest trends in credit risk management, especially in project finance. This will not only help you understand the current landscape but also demonstrate your proactive approach during interviews.
✨Tip Number 2
Network with professionals in the banking and finance sector, particularly those working in credit risk. Attend industry events or join relevant online forums to gain insights and potentially get referrals.
✨Tip Number 3
Prepare to discuss specific case studies or examples from your previous experience where you successfully identified and mitigated credit risks. This will showcase your analytical skills and practical knowledge.
✨Tip Number 4
Stay updated on regulatory changes affecting credit risk management. Being knowledgeable about compliance requirements will set you apart as a candidate who understands the broader implications of credit decisions.
We think you need these skills to ace Credit Analyst, Credit Risk Department
Some tips for your application 🫡
Understand the Role: Before applying, make sure you fully understand the responsibilities of a Credit Analyst in the Credit Risk Department. Familiarise yourself with key terms like credit risk, project finance, and credit policies to demonstrate your knowledge in your application.
Tailor Your CV: Highlight relevant experience in project finance or structured finance credit review. Use specific examples that showcase your analytical skills, understanding of risks, and ability to provide clear recommendations, as these are crucial for the role.
Craft a Strong Cover Letter: In your cover letter, express your enthusiasm for the position and the bank. Discuss how your background aligns with the job requirements, particularly your experience in credit analysis and risk management, and mention any relevant achievements.
Proofread Your Application: Ensure your application is free from errors. A well-presented CV and cover letter reflect your attention to detail, which is essential for a Credit Analyst. Consider asking a friend or colleague to review your documents before submission.
How to prepare for a job interview at Wintermann Search
✨Understand the Role Thoroughly
Before the interview, make sure you have a solid grasp of what a Credit Analyst does, especially in the context of credit risk management. Familiarise yourself with the specific responsibilities mentioned in the job description, such as credit evaluation reports and monitoring credit exposures.
✨Prepare for Technical Questions
Expect to be asked about your experience in project finance and structured finance. Brush up on your financial analysis skills, including risk assessment and mitigation strategies. Be ready to discuss how you would approach evaluating credit proposals and making recommendations.
✨Showcase Your Analytical Skills
During the interview, highlight your analytical abilities by discussing past experiences where you successfully identified risks and provided solutions. Use specific examples that demonstrate your problem-solving skills and your ability to work independently while collaborating with others.
✨Ask Insightful Questions
Prepare thoughtful questions to ask the interviewer about the Credit Risk Department's processes and challenges. This shows your genuine interest in the role and helps you understand how you can contribute effectively to the team.
