At a Glance
- Tasks: Analyse credit risks and provide recommendations for project finance deals.
- Company: Join a leading bank focused on minimising credit-related losses.
- Benefits: Competitive salary, professional development, and a dynamic work environment.
- Other info: Collaborative team culture with opportunities for career advancement.
- Why this job: Make impactful decisions in finance while developing your analytical skills.
- Qualifications: 3-5 years in Project Finance/Structured Finance with strong analytical skills.
The predicted salary is between 55000 - 70000 £ per year.
Principal Purpose of the Job: Minimise the Bank’s credit‑related losses by identifying and reasonably measuring the credit risks and mitigants in proposals, review set up. 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 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 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 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 (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 maybe required to assist the Head/Deputy Head of Credit Risk.
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, Project Finance / Structured Finance employer: Wintermann Search
As a leading financial institution, we pride ourselves on fostering a dynamic and inclusive work environment that encourages professional growth and development. Our Credit Analysts play a crucial role in minimising credit-related losses while enjoying competitive benefits, a collaborative culture, and opportunities for continuous learning in the vibrant city where we operate. Join us to make impactful decisions and advance your career in a supportive setting that values your contributions.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Analyst, Project Finance / Structured Finance
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Wintermann Search. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Credit Analyst, Project Finance / Structured Finance
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Wintermann Search.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Wintermann Search's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Wintermann Search
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Wintermann Search.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Wintermann Search will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Wintermann Search employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
