Banking Job - Credit Analyst - Large Corporate - London - M

People First Team Japan/ピープルファーストチームジャパン; London; Hybrid; GBP 40,000 - 80,000; Full time

Job summary

An established industry player is seeking a Credit Analyst to join their dynamic team in London. This role involves conducting in-depth credit evaluations for large corporate clients, ensuring compliance with credit policies, and providing insightful risk analysis. You will play a crucial role in maintaining the financial health of the organization by monitoring credit exposures and industry trends. Join a forward-thinking company that values diversity and fosters an inclusive workplace culture. If you are a dedicated problem solver with exceptional analytical skills, this is the perfect opportunity for you to make a significant impact.

Qualifications

• Experience in credit analysis within Corporate Finance is essential.
• Strong analytical and negotiation skills required.

Responsibilities

• Conduct credit evaluations and provide reports on financial risks.
• Monitor credit exposures and ensure compliance with policies.
• Proactively analyze industry trends and counterparty risks.

Skills

Credit analysis

Financial analysis

Analytical skills

Negotiation skills

Problem-solving

English fluency

Job description

Your New Job Title: Credit Analyst - Large Corporate

The Skills You'll Need: English fluent, credit analysis experience within Corporate Finance.

Your New Salary: Competitive Depending on experience

Hybrid: 1 day at home.

Type: Permanent

Start: ASAP

What You'll be Doing Each Day:

• This position mainly focuses on Large Corporate business and may also cover some other sector’s credit business based on the types of proposal from front office.
• Provide credit evaluation reports for various credit products which provide an 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. Ensure that 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, 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 professional risk analysis and appropriate risk mitigation measures 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 loans are performing well with all covenants 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.

The Skills You'll Need to Succeed:

• Solid work experience in Large Corporate credit review area.
• In-depth knowledge and understanding of risks and mitigations across different industries, countries, and client types. 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.

People First is committed to increasing diversity and maintaining an inclusive workplace culture. We welcome applications from all qualified candidates regardless of their ethnicity, race, gender, religious beliefs, sexual orientation, age, marital status, or whether or not they have a disability.