Corporates - Senior Credit Analyst

Job Title:Senior Credit Analyst
Location:London U.K.
Department:Client Credit Management
Employment Type:Permanent
Work Pattern: FullTime

Overview:

To provide credit risk analysis expertise to the Wholesale Banking Europe team in support of the Banks commercial activity in all product lines and with all types of counterparties.

What You Will Be Doing:

• To undertake in a timely manner the preparation and submission of Credit Applications (CAFs) for new business proposals and annual reviews assisting and advising as required other Department members involved in such CAF preparations.
• To undertake indepth financial analysis of inter alia balance sheet profit & loss and cash flow statements in support of CAF presentations in line with best practices fully liaising where necessary with Relationship Managers Product Managers etc to ensure adequate information flows.
• To undertake regular monitoring of interim financial information in line with best practices advising Relationship Managers IBRMD and CAD as appropriate.
• To monitor Conditions of Approval liaising with Relationship Managers and Front Office staff to ensure timely compliance/satisfaction of conditions and trackers advising CAD and IBRMD as appropriate.
• To access as required external information sources and appropriate research databases in support of CAF presentations.
• In conjunction with Relationship Managers and others to undertake client visits attend client calls and meetings as required for the purposes of information gathering and monitoring.
• To monitor current developments which may affect the Banks customers and recommend appropriate action if necessary.
• To comply with the Banks internal risk management policies (including Group Credit Policy) and procedures and general standards of operations.
• To liaise with Risk Management and other Bank departments as and when necessary.
• To comply with all relevant external legal regulatory and reporting requirements.
• To provide mentoring training and guidance to team members as and when necessary.
• To support / deputize for the Head of Client Credit Management in respect of the team and in adhoc riskrelated special tasks and projects.

Candidate Specification:

• Detailed understanding of credit analysis (corporates banks NBFIs etc)
• Understanding of risks (financial and nonfinancial) covering various industries (not limited to oil & gas manufacturing real estate etc.)
• Detailed understanding of the Banks internal processes policies and procedures
• Awareness for and interest in international politics and economics
• Good communication skills (written verbal)
• Experience of projections and financial modelling an advantage
• Experience of trade finance products an advantage
• Team player ability to meet deadlines.
• Attention to detail conscientious approach

Equal Employment Opportunity

Bank ABC is committed to the principles of equal employment opportunity for all employees and applicants and in accordance with applicable laws does not discriminate on the basis of sex gender identity gender expression race color religion national origin ancestry age marital status disability medical condition sexual orientation or on any other basis prohibited by law.

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