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- Tasks: Join a dynamic team managing credit risk for corporate transactions across various sectors.
- Company: A well-established bank known for its strong reputation and growth opportunities in the finance sector.
- Benefits: Enjoy solid learning, development opportunities, and a supportive work environment with potential remote options.
- Why this job: Build an exciting career in credit risk management while collaborating with industry experts and making impactful decisions.
- Qualifications: 2-5 years of credit analysis experience; strong financial modelling and presentation skills required.
- Other info: Experience in Oil & Gas, Mining, or Commodities is a plus!
The predicted salary is between 36000 - 60000 £ per year.
Our client offers broader and more involved roles than other banks and this individual would be offered solid learning, development and growth opportunities to work across a variety of sectors while being exposed to the whole lifecycle of a deal/transaction. The role would be joining a solid team who have built a strong reputation in the industry, with a growing and stable / well-run business while offering an excellent platform for Credit professionals to build an interesting career.
Profile Criteria:
- 2 - 5 years of credit analysis experience from either a banking business or ratings agency
- Core skill set of financial/cash flow modelling, understanding of accounting and financial statement analysis, credit understanding and good presentation skills
- Open to sector and coverage but experience covering Oil & Gas, Mining and Metals, Natural Resources, Chemicals, Commodities would be highly advantageous.
Role Purpose:
Second line of defence role providing credit risk management for new and existing Corporate credit transactions in designated industry sectors within the Corporate credit portfolio across the EMEA region. Critical challenge and detailed review of credit submissions from Front Office, providing recommendations to credit approvers within the Credit Department, EMEA or the bank’s Head Office. Act as primary analyst on specified industry portfolio of clients (subject to allocation by team management), with oversight of a secondary portfolio where required. Manage a credit portfolio including applications and approval process, as well as monitoring emerging credit developments in conjunction with Front Office (first line of defence).
Responsibilities:
- Credit transactions: Analyse Front Office credit applications in a structured manner for clear identification and articulation of risk issues and how these may be mitigated. Articulate Credit Department risk perception and appetite for a transaction in line with bank policy and procedures, manage the interaction and communication with front office deal teams. Provide appropriate challenge to Front Office on risk issues of a client / transaction, working as a trusted partner with Front Office deal teams to ensure delivery to clients whilst maintaining high credit quality. Collaborate with other risk and compliance functions where appropriate to ensure enterprise-wide view of risk is considered.
- Credit portfolio management: Ensure obligor grades are accurate and reflect a current forward-looking view of the obligors in the assigned portfolio. Within assigned portfolio, review Self-Assessment submissions and credit cost provisioning for Special Credits.
Associate Credit Risk Manager employer: ZipRecruiter
Contact Detail:
ZipRecruiter Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Associate Credit Risk Manager
✨Tip Number 1
Network with professionals in the credit risk management field, especially those who have experience in sectors like Oil & Gas or Mining. Attend industry events or webinars to connect with potential colleagues and learn more about the role.
✨Tip Number 2
Familiarise yourself with the latest trends and challenges in credit risk management, particularly in the EMEA region. This knowledge will help you engage in meaningful conversations during interviews and demonstrate your commitment to the field.
✨Tip Number 3
Prepare to discuss specific examples of your financial modelling and credit analysis experience. Be ready to articulate how you've identified and mitigated risks in past roles, as this will showcase your suitability for the position.
✨Tip Number 4
Research StudySmarter's values and culture to align your responses during interviews. Understanding our mission and how we operate will help you convey why you're a great fit for our team and the role.
We think you need these skills to ace Associate Credit Risk Manager
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your 2-5 years of credit analysis experience, particularly in sectors like Oil & Gas, Mining and Metals, or Chemicals. Use specific examples to demonstrate your financial modelling skills and understanding of accounting.
Craft a Compelling Cover Letter: In your cover letter, express your enthusiasm for the role and the company. Mention how your experience aligns with the responsibilities outlined in the job description, especially your ability to analyse credit applications and manage portfolios.
Showcase Relevant Skills: Emphasise your core skills such as financial/cash flow modelling, credit understanding, and presentation skills. Provide concrete examples of how you've successfully applied these skills in previous roles.
Proofread Your Application: Before submitting, carefully proofread your application materials. Ensure there are no spelling or grammatical errors, and that all information is clear and concise. A polished application reflects your attention to detail.
How to prepare for a job interview at ZipRecruiter
✨Showcase Your Credit Analysis Skills
Be prepared to discuss your experience in credit analysis, particularly any specific projects or transactions you've worked on. Highlight your financial modelling skills and understanding of accounting principles, as these are crucial for the role.
✨Demonstrate Industry Knowledge
Familiarise yourself with the sectors mentioned in the job description, such as Oil & Gas, Mining, and Chemicals. Being able to discuss recent trends or challenges in these industries will show your genuine interest and preparedness for the role.
✨Prepare for Scenario-Based Questions
Expect questions that assess your ability to identify and articulate risk issues. Prepare examples from your past experience where you successfully managed credit risks or provided recommendations to mitigate them.
✨Emphasise Collaboration Skills
Since the role involves working closely with Front Office teams, be ready to discuss how you've collaborated with others in previous roles. Share examples of how you’ve built trust and communicated effectively to ensure high credit quality.
