Senior Credit Analyst (Commodity Finance)

Barbara Houghton Associates; London; On-site; GBP 50,000 - 80,000; Full time

Job summary

A forward-thinking company is looking for a Credit Analyst specializing in Commodity Finance. In this pivotal role, you will support the business by minimizing credit-related losses through thorough credit risk evaluations. Your expertise will guide the Credit Committee in making informed decisions, ensuring compliance with policies, and proactively monitoring industry trends. This position offers the opportunity to work independently while collaborating with various departments to implement effective risk mitigation strategies. If you are passionate about financial analysis and thrive in a dynamic environment, this role is perfect for you.

Qualifications

• 7+ years of experience in credit review within Commodity Finance.
• Strong financial analysis and risk mitigation skills.

Responsibilities

• Provide credit evaluation reports and ensure compliance with credit policies.
• Monitor credit ceilings and exposures throughout the loan's life.

Skills

Credit Review

Financial Analysis

Risk Mitigation

Negotiation Skills

Problem-Solving

Job description

It is essential to have previous banking experience.

Our client is seeking a Credit Analyst (Commodity Finance) to join their team on a permanent basis. The role involves supporting the business to minimize the Bank's credit-related losses by identifying and reasonably measuring credit risks and mitigants in proposals and reviews.

Main Responsibilities & Accountabilities:

1. Provide credit evaluation reports for various credit products, including an overview of transactions, financial and non-financial risk analysis, and key risks identified. Ensure credit transactions comply with credit policies.
2. This position primarily focuses on commodity finance but may also cover other sector credit businesses based on proposals from the front office.
3. 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.
4. Provide relevant departments with professional risk analysis and appropriate risk mitigation measures promptly.
5. Conduct post-lending management, including monitoring credit ceilings and exposures, financial performance of borrowers, and ensuring all loan conditions are met throughout the loan's life.
6. Perform credit reviews and research industry/customer information for new proposals and annually for existing customers.
7. Proactively monitor industry and sector trends, as well as counterparty risks, for early warning signals.
8. Perform other functions and tasks as required to assist the Department.

Skills Required:

1. Minimum of 7+ years' experience in credit review within Commodity Finance.
2. Deep knowledge of risks and mitigations across different industries, countries, and client types, with strong financial analysis, projection, and stress testing skills.
3. Exceptional analytical, negotiation, and problem-solving skills, with a positive, can-do attitude.
4. Collaborative personality with the ability to work independently.

For more information on this role, please contact Barbara Houghton by sending your CV and quoting ref 16698BH.