Credit Analyst - Corporates

Supporting the Deputy Head of Risk to manage the Branch’s credit portfolio including risk identification and post approval monitoring for the portfolio.

• Provide independent, high quality credit risk monitoring for corporate, financial institution and sovereign counter parties, issuers and clients.
• Monitor the health of the portfolio both from HO requirements as well as industry.
• Check and coordinate with RMs that all credit facility parameters are recorded accurately in the Bank’s systems.
• Stage-wise monitoring of loan disbursements and associated compliance of terms and conditions / conditions precedent.
• Regular monitoring of financial covenants and other monitoring conditions.
• Ensure timely review of ratings and annual/ad‑hoc reviews and follow up with first line to ensure compliance.
• Ensure that all credit assets in the Branch are classified in line with the Bank’s Asset Classification Policy.
• Ensure that credit limit breaches/KRI’s are reported in accordance with policy.
• Assist the Deputy Head of Risk in ensuring all credit risks in the Bank are monitored and controlled effectively, and that the Bank establishes and maintains appropriate credit risk management controls, systems, policies and procedures.
• Monitor news and other market information that indicate material changes in the assessment of the Bank’s credit risks, and inform the Deputy Head of Risk, Senior Management and relevant Business Areas.
• Perform administrative duties as Secretary of the Branch Credit Committee.
• Provide support, advice and assistance to all Business Areas on all credit‑related matters.
• Ensure that all credit‑related policies and procedures are updated and fit for purpose.
• Ensure familiarity with the department’s detailed plans.
• Ensure transactions arranged are in accordance with the Tax Risk Policy and are documented in accordance with the Legal Policy and any applicable departmental procedures.
• Ensure managing the use of IT systems and of data, particularly personal data, in accordance with the IT Security Policy and the Data Protection Policy and any applicable departmental procedures.
• Ensure timely completion of training required by the Bank.
• Ensure policy and processes meet legal and regulatory requirements, identify opportunities to improve the framework and collaborate with the First Line of Defence to implement and embed changes.
• Ad‑hoc tasks assigned by the line manager.

• Educated to degree and/or appropriate professional qualification level.
• Strong experience in managing credit risks of all types and experience of.
• A good understanding of a broad range of wholesale banking and treasury products.
• A strong understanding of the sources of credit risk in such products.
• A good understanding of the UK regulatory framework.
• Excellent communication skills, both written and verbal, in English.
• Skills in Mandarin would be an advantage.
• Good team skills, in particular the ability to work closely with the Business Areas.
• A desire to take responsibility, show initiative and make decisions.