Senior Credit Analyst, NBFI

Overview

Our Client, a global bank is looking to hire a Senior Credit Analyst with at least 8 years experience of analysing NBFIs in the UK. This position will be based in the City of London.

• 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 while maintaining an independent and objective view within the credit process.
• Effectively monitor, identifying and reasonably measuring credit risk within the Bank’s asset portfolio.
• Provide credit evaluation reports for various credit products which provide overview of transactions, financial and non-financial risk analysis, key risks identified with the associated mitigants if any as well as credit recommendation (including suggested credit enhancements as well as management conditions).
• Assist with the implementation of credit risk appetite, credit policies and procedures and management processes once they are established. Ensure the credit transactions are compliant with credit policies.
• This position mainly focuses on NBFI business and may also cover some other sector’s credit business based on the types of proposals 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 professional risk analysis and appropriate risk mitigation measures in a timely manner.
• Conduct post-lending management work including but not limited to: monitor the credit ceilings and credit exposures to ensure loan performance with covenants well maintained; monitor the financial performance of the borrower regularly in relation to market and industry dynamics; monitor subsequent conditions 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 counter party risks for early warning signals.
• Other functions and tasks as may be required to assist the Head/Deputy Head of Credit Risk.

• Possesses a minimum of 8-10 years  work experience in credit review area in NBFI 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.

For further information, please contact:
Unfortunately, due to the high volume of applications, we are unable to respond to all candidates. If you are successful, a member of the team will contact you directly. If you do not hear from us, please assume that your application has been unsuccessful.