At a Glance
- Tasks: Evaluate credit risks and provide recommendations for project finance deals.
- Company: Join a leading Global Bank focused on minimising credit-related losses.
- Benefits: Enjoy competitive pay, professional development, and potential remote work options.
- Why this job: Be part of a dynamic team making impactful financial decisions in a collaborative environment.
- Qualifications: 3-5 years experience in UK Project Finance or Structured Finance required.
- Other info: Opportunity to work closely with senior management and influence key credit decisions.
The predicted salary is between 43200 - 72000 £ per year.
My client, a Global Bank is looking to hire a Credit Analyst with experience of reviewing Project Finance or Structured Finance of both.
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.
Main Responsibilities & Accountabilities:
- 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.
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.
Skills Required:
- Possesses a minimum of 3-5 years' work experience in UK 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
Contact Detail:
Wintermann Search Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Analyst Project Finance Structured Finance
✨Tip Number 1
Familiarise yourself with the latest trends in Project Finance and Structured Finance. Understanding current market conditions and recent developments will help you engage in informed discussions during interviews and demonstrate your expertise.
✨Tip Number 2
Network with professionals in the credit risk field, especially those who work in project finance. Attend industry events or join relevant online forums to build connections that could lead to referrals or insider information about job openings.
✨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 ability to make sound recommendations.
✨Tip Number 4
Stay updated on regulatory changes affecting the banking sector, particularly those related to credit risk management. Being knowledgeable about compliance issues will position you as a well-rounded candidate who understands the broader implications of credit analysis.
We think you need these skills to ace Credit Analyst Project Finance Structured Finance
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in Project Finance and Structured Finance. Use specific examples of past roles where you identified credit risks and made recommendations, as this aligns with the job's requirements.
Craft a Strong Cover Letter: In your cover letter, emphasise your analytical skills and experience in credit evaluation. Mention how you have successfully managed credit risks in previous roles and your understanding of credit policies, which is crucial for this position.
Highlight Relevant Skills: Clearly outline your skills in financial analysis, risk assessment, and negotiation. Provide concrete examples of how you've applied these skills in real-world scenarios, particularly in relation to credit reviews and project finance.
Proofread Your Application: Before submitting, carefully proofread your application for any errors or inconsistencies. A well-presented application reflects your attention to detail, which is essential for a Credit Analyst role.
How to prepare for a job interview at Wintermann Search
✨Know Your Credit Fundamentals
Make sure you have a solid understanding of credit analysis, particularly in Project Finance and Structured Finance. Brush up on key concepts, risk assessment techniques, and the specific credit policies of the bank to demonstrate your expertise during the interview.
✨Prepare Real-World Examples
Be ready to discuss specific projects or cases you've worked on that highlight your experience in credit evaluation and risk management. Use the STAR method (Situation, Task, Action, Result) to structure your responses and showcase your analytical skills.
✨Understand Industry Trends
Stay informed about current trends in the finance industry, especially those affecting project finance. Being able to discuss recent developments or challenges will show your proactive approach and genuine interest in the field.
✨Demonstrate Collaboration Skills
Since the role involves working closely with various teams, be prepared to discuss how you've successfully collaborated in the past. Highlight your ability to provide constructive feedback and guidance while maintaining an independent perspective.