Credit Analyst

E Fundresearch; City of Westminster; On-site; GBP 80,000 - 100,000; Full time

Job summary

A reputable financial institution seeks a Vice President - Credit Analyst to lead the Due Diligence Team. This role involves preparing risk assessment reports, monitoring customer credit, and ensuring compliance across the credit process. Ideal candidates will have a degree in Finance, a solid understanding of leveraged and project finance, and excellent financial modeling skills. The position offers opportunities for career development and professional growth.

Benefits

Access to professional qualifications

Continuous professional development events

Qualifications

• Experience in Leveraged Finance and Project Finance is advantageous.
• Comprehensive knowledge of banking products and associated risks.
• Relevant professional qualification is useful (e.g. ACIB, CFA, FRM).

Responsibilities

• Ongoing monitoring of customers' credit.
• Prepare risk assessment reports and credit recommendations.
• Manage the Due Diligence Team - Corporates.

Skills

Leveraged Finance

Project Finance

Financial modelling skills

Team player

Highly organised

Education

Degree in Finance, Business or Economics

Tools

CCMS

Job description

Credit Management department is the second line of defence (2LoD) credit function that is responsible to prepare risk assessment reports and credit recommendations in support of existing and new business for the Bank. As a Vice President - Credit Analyst, you will be responsible for ongoing monitoring of customers' credit. You will support the 1LoD coverage in defining and enhancing business strategy for full alignment with the Bank's risk appetite statements. You will develop robust credit practices between 1LoD and 2LoD for effective end-to-end credit management process. You will be managing the Due Diligence Team - Corporates. This is a full time permanent position.

• Assess proposals submitted to Credit Management department from the Bank's front office departments and write credit reports in respect of the business proposals. This includes research and evaluation of counterparty management, industry and transaction risk, financial accounts, cash flows and forecasts
• Compose and update credit applications including waiver requests, limit renewals and proposals for new transactions
• Attend Credit Committee to present a summary of the credit reports and answer any questions from the Committee members
• Support 1LoD coverage in business strategy definition and in on-boarding new Financial Institutions and Corporate clients
• Regularly monitor the risk situations of borrowers in an allocated portfolio as well as industry risks where particular responsibility for an industry has been allocated
• Review and enhance select internal processes with a view to adopt a dynamic risk-based approach commensurate with the low risk profile of the Corporate portfolio
• Develop and maintain financial models aimed at automating a number of tasks not limited to the collection of historic financials and various models aimed at monitoring credit and market signals
• Ensure the compliance with departmental procedures manuals
• Manage the CCMS approval process from start to completion and work with front office to manage time frames and expectations
• Advise internal stakeholders on topics such as business strategy, product launches, portfolio management and monitoring
• Promote engagement with Head Office and overseas branches on the coverage of the Corporate portfolio across Bank of China Group
• Manage and supervise the team including individual allocated portfolio
• Guide the team members to conduct the credit assessment and credit approval procedure, regular pan-bank stay connected sessions to keep in touch with what is going on across the bank and build your network
• exploring your unique and collective strengths and development areas to become the best version of yourself using the globally renowned Insights personality profile
• developing our People Managers to help coach and guide you towards success, through our 9-month People Manager Development Programme
• encouraging a "growth" personal mindset and promoting continuous professional development (CPD) through annual events such as Learning at Work Week
• embracing change in a fast-moving industry and encouraging a forward-looking perspective on career development to "future-proof" your career
• promoting cross cultural intelligence and to seek out diverse and inclusive perspectives on challenges faced and their solutions
• Degree educated preferably in Finance, Business or Economics
• Experience of Leveraged Finance and Project Finance would be an advantage
• Relevant professional qualification is considered useful (e.g. ACIB, CFA, FRM)
• Comprehensive knowledge of Banking products and risks associated with them
• Comprehensive knowledge of legal documentation specific to Banking and CCP businesses
• Demonstrated financial and modelling skills
• Team player
• Highly organised and able to work in a fast paced environment
• Access to the best in class qualifications from leading professional bodies such as the Professional Bankers Certificate and Green & Sustainable Finance Certificate from the Chartered Banker Institute