Banking Job - Credit Analyst- Commodity Finance - London - md

People First Team Japan/ピプルファストチムジャパン; London; Hybrid; GBP 100,000 - 125,000; Full time

Job summary

A recruitment agency in financial services is seeking a Credit Analyst specialized in Commodity Finance in Central London. The role entails providing credit evaluations, monitoring financial performance, and drafting credit opinions. Candidates should have experience in credit review within banking, strong analytical skills, and fluency in English. This position offers a competitive salary and a hybrid working model, with 4 days in the office and 1 day from home.

Qualifications

• Solid work experience in credit review area in Commodity Finance.
• In-depth knowledge and understanding of risks and mitigations.
• Exceptional analytical and problem-solving skills.

Responsibilities

• Provide credit evaluation reports for various credit products.
• Conduct post lending management and monitor financial performance.
• Draft and present credit opinions to Credit Committee.

Skills

English fluent

Credit review experience

Financial analysis skills

Negotiation skills

Problem-solving skills

Job description

Your New Job Title:Credit Analyst- Commodity Finance

The Skills You'll Need:English fluent, extensive experience in credit review area in Commodity Finance within banking.

Your New Salary:Competitive Depending on experience

Location:Central London

Working style: 4 days in the office, 1 day at home

Working hours: 9 to 5

Start date:ASAP

Reporting To:Head/Deputy Head of Credit Risk Dept

Who You'll Be Working for:an international bank

Credit Analyst- Commodity Finance - What You'll be Doing Each Day:

• Provide credit evaluation report for various credit products 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.
• This position mainly focuses on commodity finance business and may also cover some other sector's credit business based on the types of proposal 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 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.

Credit Analyst- Commodity Finance - The Skills You'll Need to Succeed:

• Possesses solid work experience in credit review area in Commodity Finance.
• 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.

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We would be grateful if you could send your CV as a Word document. If your application is successful, you will be contacted within 7 days. We regret that due to the high volume of applications we receive we cannot provide feedback on individual CVs. Please note that we can only consider candidates who are eligible to work in the UK and are able to provide relevant supporting documentation.

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