Senior Credit Analyst

Barbara Houghton Associates Limited; Greater London; On-site; GBP 80,000 - 100,000

Job description

Our client is seeking a Credit Analyst (Commodity Finance) to join their team on a permanent basis. Supporting the business to minimise the Bank’s credit-related losses by identifying and reasonably measuring the credit risk and mitigants in proposals, reviews etc. It’s essential to have previous Corporate Banking experience.

Responsibilities:

• Provide credit evaluation report for various credit products which provides overview of transactions, financial and non-financial risk analysis, key risks identified. Ensure the credit transactions are compliant with credit policies.
• This position mainly focuses on commodity 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, 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 relevant departments with professional risk analysis and appropriate risk mitigation measures 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 loans are performing well with all covenants 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 (at least annually) for existing customers.
• Proactively monitor industry and sector trends as well as counterparty risks for early warning signals.
• Other functions and tasks as may be required to assist the Department.

Skills Required:

• Possesses a minimum of 7+ years' work experience in credit review area in Commodity Finance.
• In-depth knowledge and understanding of risks and mitigations across different industries, countries, and client types. 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.

Seniority level

Mid-Senior level

Employment type

Full-time

Job function

Finance

Industries

Banking