Senior Credit Analyst
- Permanent
City of London, London
The details
These positions mainly focuses on Commercial Real Estate & Commodity Finance business and may also cover some other sector's credit business based on the types of proposal from front office.
Principal Purpose of the Job:
- 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 whilst simultaneously maintaining an independent and objective view within the credit process.
- Effectively monitoring, identifying and reasonably measuring credit risk within the Bank's asset portfolio.
Main Responsibilities & Accountabilities:
- Complete credit evaluation report which provides overview of transactions, financial and non-financial risk analysis, key risks identified with the associated mitigation if any as well as credit recommendation (including suggested credit enhancement as well as management conditions). Assisting with the implementation of credit risk appetite, credit policies and procedures and management processes once they are established. Make sure the credit transactions are compliant with credit policies.
- 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 the professional risk analysis and appropriate risk mitigation measure 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 loan performing well with all covenants well 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 (on at least an annual basis) for existing customers.
- Proactively monitor industry and sector trends as well as counterparty risks for early warning signals.
- Other functions and tasks as maybe required to assist the Head/Deputy Head of Credit Risk.
Skills Required:
1) Possesses a minimum of 8-10 years' work experience in credit review area in Commercial Real Estate & Commodity Finance
2) 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.
3) Exceptional analytical and negotiation skills and dedicated problem solver with a positive personality and can-do attitude.
4) Collaborative personality and ability to complete tasks independently.
Seniority Level
Mid-Senior level
Industry
- Banking
- Investment Banking
- Financial Services
Employment Type
Full-time
Job Functions
- Accounting/Auditing
- Finance
Skills
- Credit Analysis
- Risk Analysis
- Risk Management
- Commodity Risk Management
- Structured Commodity Finance (SCF)
- Commercial Real Estate
- Credit
For application and accessibility support, please contact your local Marks Sattin office. We're committed to protecting the privacy of all our candidates and clients, please visit https://www.markssattin.co.uk/privacy for our privacy policy.
Related jobs
Salary:
£28,000 - £35,000 per annum
Location:
Leeds, West Yorkshire
Industry
Business Services
Qualification
Part qualified
Market
Financial Services
Salary
£35,000 - £40,000
Job Discipline
Part Qualified & Transactional Finance
Contract Type:
Contract
Description
Billing And Collections Administrator - Immediate Start!
Reference
BBBH189995
Expiry Date
01/01/01
Author
Haroon HussainAuthor
Haroon HussainSalary:
Negotiable
Location:
London
Industry
Investment Management
Qualification
Fully qualified
Market
Financial Services
Salary
£100,000 - £125,000
Job Discipline
Legal
Contract Type:
Permanent
Description
Legal Counsel London £115,000
Reference
BBBH189992
Expiry Date
01/01/01
Author
Elliott KayeAuthor
Elliott KayeSalary:
£75,000 - £85,000 per annum + Additional Benefits Package
Location:
Bolton, Greater Manchester
Industry
Consumer & Retail
Qualification
Fully qualified
Market
Commerce & Industry
Salary
£80,000 - £100,000
Job Discipline
Qualified Finance
Contract Type:
Permanent
Description
Excellent Senior Commercial Finance Manager role based in North Manchester paying up to £85,000 ideally with digital/ecommerce experience.
Reference
BBBH189991
Expiry Date
01/01/01
Author
Nathan JonesAuthor
Nathan JonesSalary:
£60,000 - £65,000 per annum
Location:
Worcester, Worcestershire
Industry
Business Services
Qualification
Fully qualified
Market
Commerce & Industry
Salary
£60,000 - £70,000
Job Discipline
Qualified Finance
Contract Type:
Permanent
Description
Newly-created FP&A role in a growing Worcester business. A number 2 role, collaborating with senior leadership to provide high quality analysis.
Reference
BBBH188631
Expiry Date
01/01/01
Author
Tom BurrAuthor
Tom BurrRelated articles

Teaser
Financial ServicesContent Type
General
18/06/25
Summary
The interim and contracting industry currently accounts for a third of the world’s working population and is projected to reach $500 billion in gross volume in the next five years. Why has there
by
Stephanie Teale

Teaser
TechnologyContent Type
General
20/04/25
Summary
In the competitve UK tech landscape, securing top-tier softwared engineers is more than challenging than ever. The UK tech sector retains the number 1 spot in Europe and number 3 in the world as
by
Shammi Choudhury

Teaser
Commerce & IndustryContent Type
General
01/04/25
Summary
Transitioning from an accountancy practice into your first role in industry is a significant milestone in your professional journey. As a newly qualified ACA accountant, you bring a strong f
by
Hannah Spears