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- 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: Make an impact by shaping financial decisions and enhancing your analytical skills in a dynamic environment.
- Qualifications: 3-5 years in UK Project/Structured Finance credit review; strong analytical and negotiation skills required.
- Other info: Be part of a collaborative team and contribute to significant financial projects.
The predicted salary is between 48000 - 72000 £ per year.
My client, a Global Bank is looking to hire a Credit Analyst with experience of reviewing Project Finance or Structured Finance.
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.
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 dynamics and recent case studies can give you an edge during interviews, as you'll be able to discuss relevant examples and demonstrate your industry knowledge.
✨Tip Number 2
Network with professionals in the credit risk field. Attend industry events or join relevant online forums to connect with others who work in similar roles. This can provide valuable insights and potentially lead to referrals for job openings at our company.
✨Tip Number 3
Prepare to discuss your analytical skills in detail. Be ready to share specific examples of how you've identified and mitigated credit risks in past roles. This will showcase your problem-solving abilities and align with the expectations outlined in the job description.
✨Tip Number 4
Research our company's credit policies and procedures. Understanding our approach to credit risk management will not only help you tailor your responses during the interview but also demonstrate your genuine interest in joining our team.
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 your experience in Project Finance and Structured Finance. Use specific examples of credit evaluations you've conducted and the outcomes of those analyses to demonstrate your expertise.
Craft a Strong Cover Letter: In your cover letter, clearly articulate your understanding of credit risk management and how your skills align with the responsibilities outlined in the job description. Mention your ability to provide clear recommendations and your experience with credit policies.
Highlight Relevant Skills: Emphasise your analytical and negotiation skills in both your CV and cover letter. Provide examples of how you've successfully identified risks and implemented mitigation strategies in previous roles.
Showcase Industry Knowledge: Demonstrate your knowledge of industry trends and counterparty risks in your application. This could be through mentioning specific projects or sectors you have worked with, showcasing your proactive approach to monitoring market dynamics.
How to prepare for a job interview at Wintermann Search
✨Know Your Credit Analysis Fundamentals
Make sure you brush up on your knowledge of credit analysis, particularly in Project Finance and Structured Finance. Be prepared to discuss specific methodologies you've used in the past to assess credit risks and how you've mitigated them.
✨Demonstrate Industry Knowledge
Familiarise yourself with current trends in the finance industry, especially those affecting project finance. Being able to discuss recent developments or case studies will show that you're proactive and well-informed.
✨Prepare for Scenario-Based Questions
Expect to face scenario-based questions where you'll need to demonstrate your analytical skills. Practice articulating how you would approach evaluating a credit proposal, including identifying risks and suggesting mitigations.
✨Showcase Your Collaborative Skills
Since the role involves working closely with the Credit Committee and Front Office, be ready to provide examples of how you've successfully collaborated with different teams in the past. Highlight your ability to maintain an independent view while still being a team player.
