Senior Credit Analyst

Jordan Disposal Service/Gator Industrial; City Of London; On-site; GBP 60,000 - 100,000; Full time

Job summary

An established industry player seeks a skilled credit analyst to minimize credit-related losses in the Commercial Real Estate and Commodity Finance sectors. This role involves conducting thorough credit evaluations, providing clear recommendations to the Credit Committee, and monitoring credit risks effectively. With a focus on collaboration and independence, you'll engage in industry research and support the Head of Credit Risk. Join a dynamic team that values analytical prowess and offers a full-time position in a thriving banking environment.

Qualifications

• 8-10 years of credit review experience in Commercial Real Estate & Commodity Finance.
• Strong financial analysis skills and knowledge of risk mitigation.

Responsibilities

• Complete credit evaluation reports and ensure compliance with credit policies.
• Monitor credit exposures and borrower performance throughout the loan lifecycle.

Skills

Credit Analysis

Risk Analysis

Risk Management

Commodity Risk Management

Structured Commodity Finance (SCF)

Commercial Real Estate

Job description

These positions mainly focus on the Commercial Real Estate & Commodity Finance business and may also cover other sectors' credit activities based on proposals from the front office.

Principal Purpose of the Job:

• Minimize the Bank's credit-related losses by identifying, measuring, and mitigating credit risks in proposals and reviews.
• Provide clear, unambiguous recommendations to the Credit Committee regarding the acceptability of business deals, maintaining independence and objectivity in the credit process.
• Monitor and assess credit risks within the Bank's asset portfolio effectively.

Main Responsibilities & Accountabilities:

• Complete credit evaluation reports including transaction overviews, risk analysis, key risks, mitigation measures, and credit recommendations. Ensure compliance with credit policies.
• Challenge proposals effectively, provide guidance, and draft credit opinions for the Credit Committee, maintaining objectivity and timely processing.
• Provide risk analysis and mitigation advice to the Head of CRD, DGM (credit), and credit committee promptly.
• Conduct post-lending management, including monitoring credit exposures, borrower performance, and compliance with loan conditions throughout the loan lifecycle.
• Perform industry and customer research for new proposals and annual reviews of existing clients.
• Monitor industry trends and counterparty risks for early warning signals.
• Assist the Head/Deputy Head of Credit Risk as needed.

Skills Required:

1. Minimum of 8-10 years' experience in credit review within Commercial Real Estate & Commodity Finance.
2. Deep knowledge of risks and mitigations across industries, countries, and client types, with strong financial analysis skills.
3. Exceptional analytical, negotiation, and problem-solving skills, with a positive attitude.
4. Collaborative yet capable of independent work.

Additional Information:

• Seniority Level: Mid-Senior level
• Industry: Banking, Investment Banking, Financial Services
• Employment Type: Full-time
• Job Functions: Accounting/Auditing, Finance
• Skills: Credit Analysis, Risk Analysis, Risk Management, Commodity Risk Management, Structured Commodity Finance (SCF), Commercial Real Estate, Credit

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