Credit Risk Analyst

LMA; London; Hybrid; GBP 60,000 - 75,000; Full time

Job summary

An established industry player is seeking a Credit Risk Analyst to join their dynamic team in London. This exciting role offers the chance to shape the bank's credit risk framework while working closely with senior stakeholders. With a focus on trade finance, you will assess credit applications, evaluate risks, and ensure compliance with credit standards. Join a collaborative environment that values your expertise and initiative, and enjoy a hybrid working model that balances office and remote work. This is a unique opportunity to make a significant impact in a pivotal role.

Qualifications

• 5-8 years' experience in credit risk, with exposure to trade finance.
• Strong credit underwriting and structured finance expertise.

Responsibilities

• Review and assess credit applications from the front office.
• Monitor covenants and proactively identify early warning signs.

Skills

Credit Risk Analysis

Trade Finance

Analytical Skills

Communication Skills

Excel Proficiency

Job description

Credit Risk Analyst

LMA London, United Kingdom Apply now Posted 4 days ago Hybrid Job Permanent Up to GBP75000.00 per annum

This newly created role offers a fantastic opportunity to work closely with senior stakeholders and help shape the bank's credit risk framework. If you have a background in asset finance or trade finance and a passion for maintaining strong credit standards, we'd love to hear from you.

What You'll Be Doing

• Review and assess credit applications from the front office (1LoD), analysing financial statements and risk factors.
• Evaluate sector, environmental and business risks for proposed transactions.
• Support and improve the bank's risk profile through robust credit guidelines and policy alignment.
• Ensure transactions meet credit sanction and documentation standards.
• Partner with key stakeholders on new deal structures, policy exceptions, and risk control solutions.
• Monitor covenants and proactively identify early warning signs in the loan portfolio.
• Collaborate with other risk disciplines to ensure a holistic, enterprise-wide risk view.
• Maintain an updated credit watchlist and support IFRS 9 provision reporting.
• Prepare and present regular reports to the Credit Risk Committee (CRECO).
• Draft minutes for Credit Committee meetings.
• Ensure compliance with Consumer Duty regulations and maintain a customer-first approach.

What We're Looking For

• 5-8 years' experience in credit risk, with exposure to trade finance
• Strong credit underwriting and structured finance expertise.
• Knowledge of key trade instruments and associated risks.
• A self-starter with strong analytical skills, attention to detail, and business acumen.
• Excellent communication and interpersonal skills to influence and align with business goals.
• Proven ability to operate effectively under pressure in a time-sensitive environment.
• Legal documentation experience is a plus.
• Proficiency in Excel and a strong understanding of MI and EOD reports.
• Mortgage market experience is desirable but not essential.

Why Join Us?

• Be part of a small, high-impact team reporting directly to the Chief Risk Officer.
• Work in a collaborative, flexible environment where your voice is heard.
• Contribute to the evolution of the bank's credit risk governance in a role with visibility and influence.
• Hybrid working model with three days in the office and flexibility for remote work.
• Salary up to £75,000.00 Per Annum.

This is a unique chance to step into a pivotal role at a boutique institution that values initiative, expertise, and a proactive approach to risk.

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