Senior Credit Analyst

Marks Sattin - London; London; On-site; GBP 60,000 - 100,000; Full time

Job summary

An established industry player is seeking a skilled credit analyst to join their dynamic team in London. This role focuses on minimizing credit-related losses in Commercial Real Estate and Commodity Finance by evaluating risks and making informed recommendations. The ideal candidate will possess deep knowledge of credit analysis, risk management, and industry dynamics, ensuring compliance with policies while maintaining an independent perspective. If you're passionate about finance and ready to make a significant impact, this opportunity offers a collaborative environment where your expertise will be valued and utilized.

Qualifications

• 8-10 years' experience in credit review within Commercial Real Estate & Commodity Finance.
• Strong financial analysis, projection, and stress testing skills.

Responsibilities

• Complete credit evaluation reports with risk analysis and credit recommendations.
• Monitor credit ceilings and exposures, ensuring loans perform well.

Skills

Credit Analysis

Risk Analysis

Risk Management

Commodity Risk Management

Structured Commodity Finance

Commercial Real Estate Credit

Job description

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

Principal Purpose of the Job:

• Minimize the Bank's credit-related losses by identifying and reasonably measuring credit risks and mitigants in proposals and reviews.
• Make clear and unambiguous recommendations to the Credit Committee, in accordance with the Bank's credit policies, regarding the acceptability of particular business deals from a credit perspective, while maintaining an independent and objective view within the credit process.
• Effectively monitor, identify, and reasonably measure credit risk within the Bank's asset portfolio.

Main Responsibilities & Accountabilities:

• Complete credit evaluation reports providing an overview of transactions, financial and non-financial risk analysis, key risks with mitigation measures, and credit recommendations, including suggested credit enhancements and management conditions. Assist with implementing credit risk appetite, policies, procedures, and management processes once established. Ensure credit transactions comply with credit policies.
• Provide effective challenges and guidance to proposals from the Front Office; draft and present credit opinions to the Credit Committee, maintaining an objective and independent view, in accordance with the Bank's credit policies. Achieve timely turnaround of credit proposals and reviews as per departmental objectives.
• Provide the Head of CRD, DGM (credit), and credit committee with professional risk analysis and appropriate mitigation measures promptly.
• Conduct post-lending management, including monitoring credit ceilings and exposures, ensuring loans perform well with covenants maintained, regularly reviewing financial performance related to market and industry dynamics, and ensuring conditions are met throughout the loan lifecycle.
• Perform credit reviews and research industry/customer information for all new proposals and at least annually for existing customers.
• Proactively monitor industry and sector trends, as well as counterparty risks, for early warning signals.
• Perform other functions as required to assist the Head/Deputy Head of Credit Risk.

Skills Required:

• Possess a minimum of 8-10 years' experience in credit review within Commercial Real Estate & Commodity Finance.
• Deep knowledge of risks and mitigations across industries, countries, and client types, with strong financial analysis, projection, and stress testing skills.
• Exceptional analytical, negotiation, and problem-solving skills, with a positive attitude.
• Collaborative personality with the ability to work independently.

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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