Banking Senior Credit Analyst; NBFI M

Overview

Senior Credit Analyst (NBFI) - Banking

• Provide credit evaluation reports for various credit products, including overview of transactions, financial and non-financial risk analysis, identified risks with mitigations (if any), and credit recommendations (including suggested credit enhancement and management conditions). Assist with the implementation of credit risk appetite, credit policies and procedures, and management processes once established. Ensure credit transactions comply with credit policies.
• Focus on NBFI business and may cover other sectors’ credit activity based on proposals from front office.
• Provide effective challenges and guidance to front office proposals; draft and present credit opinions to the Credit Committee, maintaining an objective and independent view within the credit process in accordance with Bank policies. Achieve timely turnaround of credit proposals and reviews in line with departmental objectives.
• Provide the Head of CRD and the Deputy General Manager (Credit) as well as the Credit Committee with professional risk analyses and appropriate risk mitigation measures in a timely manner.
• Conduct post-lending management including: monitor credit ceilings and exposures to ensure loan performance and covenants are maintained; monitor borrower financial performance in relation to market and industry dynamics; monitor conditions subsequent and ensure all conditions are met throughout the loan life.
• Perform credit reviews 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 and counter party risks for early warning signals.

• Possesses a minimum of 8–10 years’ work experience in credit review within the NBFI sector.
• In-depth knowledge of risks and mitigations across different industries, countries and client types; strong financial analysis, projection and stress testing skills.
• Exceptional analytical and negotiation skills; a proactive problem solver with a positive, can-do attitude.
• Collaborative yet able to complete tasks independently.

We welcome applications from all qualified candidates regardless of ethnicity, race, gender, religious beliefs, sexual orientation, age, marital status or disability. We can only consider candidates eligible to work in the UK and able to provide relevant supporting documentation. This position is based on a permanent contract with a hybrid work arrangement (1 day at home).