Credit Analyst – Large Corporates
Credit Analyst – Large Corporates

Credit Analyst – Large Corporates

London Full-Time 36000 - 60000 £ / year (est.) No home office possible
W

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 enhancing financial stability.
  • Benefits: Enjoy competitive pay, professional development opportunities, and a collaborative work environment.
  • Why this job: Make a real impact in the banking sector while developing your analytical and negotiation skills.
  • Qualifications: 5 years of experience in credit review with strong financial analysis skills required.
  • Other info: This role offers a chance to work with diverse industries and contribute to significant financial decisions.

The predicted salary is between 36000 - 60000 £ 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.

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.

Credit Analyst – Large Corporates employer: Wintermann Search

As a leading employer in the financial sector, our company offers a dynamic work environment that fosters professional growth and development. With a strong commitment to employee well-being, we provide competitive benefits, a collaborative culture, and opportunities for advancement within the Credit Risk Department. Located in the heart of the UK, we pride ourselves on maintaining an inclusive workplace where diverse perspectives are valued, making it an ideal setting for those seeking meaningful and rewarding careers.
W

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 discussions during interviews and demonstrate your understanding of the industry.

Tip Number 2

Network with professionals in the credit risk field. Attend industry events or join relevant online forums to connect with others who can provide insights or even refer you to opportunities at StudySmarter.

Tip Number 3

Prepare to discuss specific examples from your past experience where you successfully identified and mitigated credit risks. Being able to articulate these scenarios will showcase your expertise and problem-solving skills.

Tip Number 4

Stay updated on regulatory changes affecting credit risk management. Understanding the implications of these regulations will not only enhance your credibility but also show your commitment to compliance within the role.

We think you need these skills to ace Credit Analyst – Large Corporates

Credit Risk Assessment
Financial Analysis
Risk Mitigation Strategies
Industry Knowledge
Negotiation Skills
Analytical Skills
Stress Testing
Problem-Solving Skills
Attention to Detail
Independent Decision-Making
Collaboration Skills
Regulatory Compliance
Post-Lending Management
Market and Industry Trend Analysis

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 experience with credit evaluation reports and risk analysis.

Showcase Analytical Skills: Emphasise your analytical and negotiation skills in both your CV and cover letter. Provide examples of how you've successfully managed credit risks or improved processes in previous roles.

Highlight Relevant Qualifications: If you have any certifications or qualifications related to credit risk management or financial analysis, be sure to include them. This will strengthen your application and show your commitment to the field.

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 questions that test your analytical skills and financial knowledge. Brush up on financial analysis, projections, and stress testing, as these are crucial for evaluating credit proposals effectively.

Showcase Your Experience

Highlight your previous experience in credit review and risk assessment. Be ready to provide examples of how you've successfully identified risks and made recommendations in past roles.

Demonstrate Collaboration Skills

Since this role involves working closely with the Credit Committee and Front Office, emphasise your ability to collaborate and communicate effectively. Share examples of how you've worked in teams to achieve common goals.

Credit Analyst – Large Corporates
Wintermann Search
W
  • Credit Analyst – Large Corporates

    London
    Full-Time
    36000 - 60000 £ / year (est.)

    Application deadline: 2027-06-21

  • W

    Wintermann Search

Similar positions in other companies
UK’s top job board for Gen Z
discover-jobs-cta
Discover now
>