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Senior Credit Analyst

Major International Bank



Summary
The successful candidate will already be working in the a bank risk department on UK business. The new role will be to support the Deputy Head of Risk (in charge of credit risk) in managing the branch's credit risks, while also asssisting in the process of putting profitable business onto the branch books.

Description
Required Skills, Experience and Qualifications
• Educated to degree and/or appropriate professional qualification level
• Strong experience in analyzing credit risks of all types, with particular emphasis on large corporate clients in UK / Western European markets
• Excellent communication skills, both written and verbal, in English and Mandarin (desirable but not essential)
• A sound understanding of a broad range of wholesale lending products
• A basic understanding of market risks and operational risks would be an advantage
• Good team skills, in particular the ability to work closely with the business areas while retaining independence
• An ability to shoulder responsibility, show initiative, make decisions and work under pressure
• Strong problem solving skills

Key Responsibilities
• To provide high quality and independent credit risk assessments and recommendations for corporate, financial institution and sovereign counterparties, issuers and clients, particularly in the area of trade finance.
• To provide comprehensive and accurate credit analysis of country risks.
• To provide technical support, advice and assistance to all Business Areas on all credit related matters.
• To provide advice in respect of the structuring of prospective transactions and guidance in respect of the completion of credit proposals to ensure all risks are identified in an efficient manner.
• To maintain a keen interest and awareness of market trends in international business including key trends and events in the UK and international credit markets.
• To assist with arranging of Credit Committee meetings and approvals and the presentation of credit proposals to Head Office.
• To assist in establishing and maintaining credit risk management controls, systems and procedures that meet the requirements of the Branch and external auditors.
• To monitor adherence to approved credit limits and to ensure that the Deputy Head of Risk (in charge of credit risk) is informed of all material excesses on the same working day as identified.
• To generate the credit MI related to the client, industry or country risk factor.
• To ensure that all credit risks are properly monitored and controlled and to ensure that the credit limits are all formally reviewed as per the Branch’s internal policies.
• To minimise the time taken between problem recognition and cash recovery; to undertake regular monitoring and review of ‘problem loans’.
• To liaise with the Head Office regarding credit risk issues and to assist with Head Office reporting.
• To assist with the review and development of policies and procedures.


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