Credit Analyst – Commodity Trade Finance | Geneva

Lexton Stanley; Genf; Vor Ort; CHF 90.000 - 130.000; Vollzeit

Zusammenfassung

Lexton Stanley is seeking a Credit Analyst for a well-established private bank in Geneva. You will review credit packages, assess financial statements, and coordinate with Front Office to ensure transactions align with approved proposals.

The role reports to the Head of Credit and requires rigorous analysis, accuracy, and timely delivery to the Credit Committee. English fluency is essential; French is a plus.

Qualifikationen

• Prior credit analysis experience in commodity trade finance.
• Strong financial analysis skills on audited and unaudited statements.
• Rigorous and detail-oriented, able to meet Credit Committee deadlines.
• Fluent in English; French is an asset.

Aufgaben

• Review credit packages and up-to-date financial statements.
• Present the financials of analyzed companies to the Credit Committee.
• Review Credit Approval Forms for alignment with terms.
• Ensure receipt and review of security/collateral; consult with legal on non-cash security.
• Perform periodic review of borrowers' figures and flag deterioration to Relationship Managers.
• Review borrowers' annual audited figures and assign annual credit risk ratings.
• Monitor maturity dates and coordinate renewals of Credit Approvals.
• Maintain audit-ready credit files and documentation.
• Draft or review minutes of credit committees for your portfolio.
• Respond to ad-hoc queries from Front Office and other stakeholders.

Kenntnisse

Financial analysis

Credit analysis

Attention to detail

English fluency

French asset

Jobbeschreibung

On behalf of our client, a well-established private bank in Geneva active in commodity trade finance, Lexton Stanley is looking for a Credit Analyst to join its Credit Department.

About the role

Reporting to the Head of Credit, you will be responsible for the comprehensive review and preparation of credit files up to their submission to the Credit Committee, the review of security documentation, and close coordination with Account Management to ensure transactions are executed in line with approved Credit Proposals.

Key responsibilities

• Conduct a comprehensive and critical review of credit packages submitted by the Front Office, including up-to-date financial analysis of audited and unaudited financial statements
• Present the financials of analyzed companies to the Credit Committee
• Review Credit Approval Forms for proper alignment with the terms of credit packages
• Ensure receipt of the security/collateral requested by the Credit Approval, and consult with legal advisors on the form, genuineness and enforceability of non-cash security
• Perform periodic review of borrowers' financial figures and flag any observed deterioration to Relationship Managers
• Review borrowers' annual audited figures and assign the annual credit risk rating
• Monitor maturity dates of ongoing Credit Approvals and ensure timely review and renewal
• Maintain credit files and documentation, ensuring they remain audit-ready
• Draft or review minutes of credit committees for your portfolio
• Respond to ad-hoc queries from Front Office and other stakeholders

Your profile

• Prior experience in credit analysis within commodity trade finance
• Strong financial analysis skills, comfortable assessing both audited and unaudited financial statements
• Rigorous, detail-oriented, and comfortable working to Credit Committee deadlines
• Fluent in English; French is an asset