Job opportunity
Senior Credit Analyst
- London
- Senior
- Full time
- Permanent
- 8-10 years experience required
- 70,000 to 110,000 GBP per year
- Working at a well renowed International Bank
Job Description
Senior Credit Analyst Banking
A brilliant opportunity to join one of the top tier international Banks in the UK, we are searching for a strong and decisive Legal Counsel to strengthen their team. The Bank in London is part of an internationally oriented group, situated in multiple countries throughout Europe. The London branch acts as European hub, supporting and facilitating trade and investments between Europe and the Middle East, Africa and Turkey region.
Our partner provides Global Transaction Banking, Treasury & Financial Markets, Financial Services, Real Estate and Specialised Finance for their high end customers.
The difference you will make.
To oversee, review and provide quality recommendations on credit applications for both FIs and Corporates clients (inclusive of Real Estate) and approve under the delegated credit authority, in full compliance with the defined credit risk appetite, credit policy, and regulatory requirements.
To assist Head / Deputy Head of Credit in management tasks including team management and other ad-hoc projects.
- In conjunction with the Head / Deputy Head of Credit, ensure that the implementation of the Credit strategy is in line with the business strategy and risk appetite.
- Where necessary, ensure effective cascading to ensure vertical alignment and horizontal integration with other interfacing departmental strategies.
- Manage the effective achievement of objectives through alignment of objectives, developing and motivating staff (where required), provision of formal and informal feedback and appraisal – in order to maximise departmental performance.
- Organise and coordinate the activities to ensure that all work is carried out in an efficient manner which is consistent with operating procedures and policy of the bank.
- Assist Deputy Head of Credit in team management, work allocation and any local level credit approvals.
Key responsibilities, accountabilities and deliverables
- Evaluating credit risk (financial, transactional and other) relating to new Corporate and Bank business proposals and making specific recommendations to the Credit Committee (and Board if necessary) through succinct presentations so that the bank can pursue good quality loans and other risk assets with timely decision-making.
- Reviewing credit risk relating to existing business continuing on the bank’s books, to confirm that credit risk remains acceptable in line with the bank’s risk policies and appetite.
- Objectively grading the quality of the clients in term of Bank’s Risk Rating system through due diligence analysis, peer group data, and credits checking etc.
- Assisting in determining that facilities/transactions presented meet and maintain minimum acceptable prudential risk standards and conform to the Bank’s and the Group Credit Policies and Procedures.
- Managing and monitoring Credit Portfolio, and assess any potential risks on the assets quality, to ensure a timely action is taken.
- Checking that spreading and financial analysis is correctly carried out in the Credit Lens and carry out appropriate re-classifications wherever necessary and ensure that Credit Lens grading of account is appropriately done and reflects the underlying risk.
- Formulating the Credit Strategies and Policies, in line with the Bank’s risk appetite. New guidelines usually accompanied with Action plans that to be agreed with all involved parties in the Bank.
- Working with HO and other units and RMs to proactively provide support for their business activities and promote close co-operation between units within the Group.
- Monitoring financial, economic and political news from media sources on clients/countries regularly, in order to alert the Business/Management/HO and revise risk ratings in case of need, to enable the bank to take timely action to protect asset values where necessary.
- Assisting line manager and Head of Credit Department in any project or strategic initiative as may be required, especially the audit, central bank requirements, or providing training on all aspects of credit risk analysis and credit procedures.
- Ensure all internal trainings are completed within deadlines.
- Ensure adherence to IFRS9 guidelines as part of credit review process and assist in quarterly IFRS9 review of the portfolio.
Culture and Behaviors
- Promote a risk management culture that provides good analysis, sound judgment, flexibility and a correct “risk/reward” balance.
- Collaborate with business units to help to establish and maintain sound credit risk disciplines, policies and practices in the bank’s portfolio.
- Demonstrate awareness of current environment and provide exceptional pro-active and reactive support to the unit. This can be achieved by increasing volunteering of assistance if necessary and heightened risk sensitivity at work.
Risk, Compliance & Business Continuity
- Ensure that Large Exposure limits are observed or there would be no potential breaches to the Risk Appetite statement.
- Ensure that the necessary procedural aspects (e.g. CAF duly completed or confirmation of group structure included) had been covered when recommending a proposal.
Knowledge
- Good language skills in English (Arabic would be an added advantage).
- Knowledge of banking industry products/services.
- Ability to collaborate and communicate effectively.
- Analytical ability.
- Ability to interact with the key stakeholders in a multi-cultural environment.
- Accuracy and attention to detail.
- Ability to examine the linkages and interactions between different type of risks (credit; regulatory; operational; transactional; etc.).
- Critical thinking and Decisiveness
- Ability to work under pressure.
Education
- Bachelor degree in business or equivalent.
- A globally recognised post-graduate Credit or Risk qualification and/or an institute of bankers or similar professional associateship or fellowship from a globally recognised institute (e.g. CFA, FRM, MBA or MSC)
Experience
- 8-10 years relevant experience in FI and corporate credit functions including at least 4 years in positions of progressively increasing managerial responsibilities.
- Minimum 2 years of International, GCC, or MENA experience would be a big advantage indicating a fair understanding of FI and corporate business clients, economic sectors, macro-economic factors and related country risks.
- Fair amount of experience in assessing contract finance, real estate finance, corporate banking as well as Factoring / Trade Finance proposals.
Personal Attributes
- Effective Communications and Negotiations- written and verbal
- Ability to Lead, Motivate, and Promote Good Teamwork
- Initiative, Confident with Commitment, and Quick Decision Maker in High-Pressure Environments
- Problem Solving, Flexibility and Conflict Resolution Skills; taking an optimistic and realistic approach
- Organizational Ability and Agility – working to deadlines
In addition to your competitive salary, our partner offers a wide range of other benefits such as:
- 65.000 to 110.000 GBP per year
- Full time
- Permanent position
- Bonus schemes
- Personal Development
- International working environment
- Pension schemes and other financial stimuli
For more information about our wide range of benefits and family friendly policies, you are welcome for a coffee for us to explain further.
- London
- Senior
- Full time
- Permanent
- 8-10 years experience required
- 70,000 to 110,000 GBP per year
- Working at a well renowed International Bank
For more information, kindly call +44 2045 0233340
- Bonnie Carter bcarter@quintius.co.uk or call +44 7930 873669
- Rob van Geel rvangeel@quintius.co.uk or call +971 54 314 6850
- Or send your cv to info@quintius.co.uk
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