At a Glance
- Tasks: Analyse credit risks and provide recommendations to the Credit Committee for large corporate deals.
- Company: Join a leading bank focused on minimising credit-related losses and ensuring compliance.
- Benefits: Enjoy competitive pay, professional development opportunities, and a collaborative work environment.
- Why this job: Make a real impact in financial decision-making while working with diverse industries and clients.
- Qualifications: 5 years of experience in credit review and strong analytical skills required.
- Other info: Equal opportunity employer; must be eligible to work in the UK.
The predicted salary is between 43200 - 72000 £ per year.
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. Assist the admin work of Credit Committee. Effectively monitor, identify and reasonably measure 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 Head of Credit Risk Department. 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 Large Corporate business/Commercial Real Estate and may also cover some other sector's credit business based on the types of proposal 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: Monitor the credit ceilings and credit exposures carefully to ensure loan performing well with all covenants well maintained. Monitor the financial performance of the borrower regularly associated with market and industry dynamics. 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. Have experience in disposal of non-performing assets, such as Large Corporate, Commercial Real Estate etc. Other functions and tasks as may be required to assist the Head/Deputy Head of Credit Risk.
Regulated Activities: This section is to be completed for roles that will be covered by the Senior Managers and Certification Regime i.e.: Senior Management Function (SMF) – one that involves the person performing it being responsible for managing one or more aspects of the firm’s affairs, so far as it relates to regulated activities, and those aspects involve, or might involve, a risk of serious consequence for the person, or for the firm or for other interests in the UK. The Prescribed Responsibilities and Other Responsibilities are as set out in the Statement of Responsibilities and the Responsibilities Management Map. Certification – one where the person could pose a risk of significant harm to the firm or any of its customers: (Not applicable) Advising on, dealing (as principal or agent) and arranging (bringing about) deals in and/or managing investments. Giving advice to clients in connection with corporate finance business and performing other functions relating to this. Where direct reports include staff within Certification population. Role holder is a voting member of the Credit Committee. The incumbent must comply with the requirements under the Senior Managers and Certification Regime.
Skills Required: Possesses a minimum of c.5 years' work experience in 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.
Our client is an equal opportunity employer and ensures that no applicant is subject to less favourable treatment on the grounds of gender, marital status, race, colour, nationality, ethnic or national origins, age, sexual orientation, responsibilities for dependants, physical or mental disability. Candidates are selected for interview based on their skills, qualifications and experience. Please note that we can only consider candidates who are eligible to work in the UK and are able to provide relevant supporting documentation.
Credit Analyst – Large Corporates employer: Wintermann Search
Contact Detail:
Wintermann Search Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Analyst – Large Corporates
✨Tip Number 1
Familiarise yourself with the latest trends in credit risk management, especially in large corporates and commercial real estate. This knowledge will help you engage in meaningful conversations during interviews and demonstrate your understanding of the sector.
✨Tip Number 2
Network with professionals in the credit risk field, particularly those who work with large corporates. Attend industry events or join relevant online forums to build connections that could lead to referrals or insider information about the role.
✨Tip Number 3
Prepare to discuss specific case studies or examples from your past experience where you successfully identified and mitigated credit risks. This will showcase your analytical skills and problem-solving abilities, which are crucial for this role.
✨Tip Number 4
Understand the regulatory environment surrounding credit risk in the UK. Being knowledgeable about compliance and regulations will not only impress interviewers but also show that you are serious about the responsibilities of the position.
We think you need these skills to ace Credit Analyst – Large Corporates
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in credit analysis, particularly with large corporates and commercial real estate. Use specific examples that demonstrate your ability to identify and measure credit risks.
Craft a Strong Cover Letter: In your cover letter, clearly articulate your understanding of the role and how your skills align with the responsibilities outlined in the job description. Mention your analytical skills and experience in credit evaluation.
Highlight Relevant Skills: Emphasise your analytical and negotiation skills, as well as your ability to work independently and collaboratively. Provide examples of how you've successfully managed credit risks in previous roles.
Proofread Your Application: Before submitting, carefully proofread your application for any spelling or grammatical errors. A polished application reflects your attention to detail, which is crucial for a Credit Analyst role.
How to prepare for a job interview at Wintermann Search
✨Understand Credit Risk Fundamentals
Make sure you have a solid grasp of credit risk concepts and how they apply to large corporates. Be prepared to discuss specific risks and mitigants relevant to the proposals you might encounter in the role.
✨Prepare for Technical Questions
Expect to be asked about financial analysis, projections, and stress testing. Brush up on your analytical skills and be ready to demonstrate your ability to evaluate creditworthiness effectively.
✨Showcase Your Collaborative Skills
This role requires working closely with various teams, including the Credit Committee and Front Office. Highlight your experience in collaboration and how you've successfully navigated team dynamics in past roles.
✨Demonstrate Problem-Solving Abilities
Be prepared to discuss specific examples where you've identified credit risks and proposed effective solutions. Show that you can think critically and act decisively under pressure.