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Base pay range
Our client, a Global Bank, is looking to hire a Credit Analyst to cover Commercial Real Estate. Principal Purpose of the Job: Minimise the Bank’s credit-related losses by identifying and reasonably measuring the credit risks and mitigants in proposals, reviews, etc. 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 simultaneously maintaining an independent and objective view within the credit process. Effectively monitor, identify, and reasonably measure credit risk within the Bank’s asset portfolio. Reporting Relationship: The Credit Risk Department is in charge of the Credit Approval and Credit Management functions. This role will report to the Deputy Head/Manager in the Credit Risk Department who is in charge of the credit approval work in CRD. Complete credit evaluation reports that provide an overview of transactions, financial and non-financial risk analysis, key risks identified with associated mitigation if any, as well as credit recommendations (including suggested credit enhancement and management conditions). Assist with the implementation of credit risk appetite, credit policies, and procedures, and management processes once they are established. Ensure that credit transactions are compliant with credit policies. This position mainly focuses on Commercial Real Estate business and may also cover some other sector’s credit business based on the types of proposals from the front office. Provide effective challenges as well as guidance to the proposals from the Front Office; draft and present credit opinions to the Credit Committee, maintaining an objective and independent view within the credit process, in accordance with the Bank’s credit policies. Achieve timely turnaround of credit proposals and reviews, in accordance with pre-agreed departmental objectives. Provide the Head of CRD and DGM (credit) as well as the credit committee with professional risk analysis and appropriate risk mitigation measures in a timely manner. Conduct post-lending management work including but not limited to: 1) monitor the credit ceilings and credit exposures carefully to ensure loans are performing well with all covenants maintained, 2) monitor the financial performance of the borrower regularly associated with market and industry dynamics, 3) monitor the conditions subsequent and ensure all conditions are met at any time through the loan life. Perform credit reviews and research of industry/customer-related 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. Other functions and tasks as may be required to assist the Head/Deputy Head of Credit Risk. Skills Required: Possesses a minimum of 5-10 years' work experience in the Commercial Real Estate credit review area. In-depth knowledge and deep understanding of risks and mitigations across different industries, countries, and client types. Business and economy-related know-how, and excellent financial analysis, projection, and stress test skills. Exceptional analytical and negotiation skills, dedicated problem solver with a positive personality and can-do attitude. Collaborative personality and ability to complete tasks independently. Please note that we can only consider candidates who are eligible to work in the UK and are able to provide relevant supporting documentation. Seniority level
Not Applicable Employment type
Full-time Job function
Other Industries
Banking and Investment Banking
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Our client, a Global Bank, is looking to hire a Credit Analyst to cover Commercial Real Estate. Principal Purpose of the Job: Minimise the Bank’s credit-related losses by identifying and reasonably measuring the credit risks and mitigants in proposals, reviews, etc. 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 simultaneously maintaining an independent and objective view within the credit process. Effectively monitor, identify, and reasonably measure credit risk within the Bank’s asset portfolio. Reporting Relationship: The Credit Risk Department is in charge of the Credit Approval and Credit Management functions. This role will report to the Deputy Head/Manager in the Credit Risk Department who is in charge of the credit approval work in CRD. Complete credit evaluation reports that provide an overview of transactions, financial and non-financial risk analysis, key risks identified with associated mitigation if any, as well as credit recommendations (including suggested credit enhancement and management conditions). Assist with the implementation of credit risk appetite, credit policies, and procedures, and management processes once they are established. Ensure that credit transactions are compliant with credit policies. This position mainly focuses on Commercial Real Estate business and may also cover some other sector’s credit business based on the types of proposals from the front office. Provide effective challenges as well as guidance to the proposals from the Front Office; draft and present credit opinions to the Credit Committee, maintaining an objective and independent view within the credit process, in accordance with the Bank’s credit policies. Achieve timely turnaround of credit proposals and reviews, in accordance with pre-agreed departmental objectives. Provide the Head of CRD and DGM (credit) as well as the credit committee with professional risk analysis and appropriate risk mitigation measures in a timely manner. Conduct post-lending management work including but not limited to: 1) monitor the credit ceilings and credit exposures carefully to ensure loans are performing well with all covenants maintained, 2) monitor the financial performance of the borrower regularly associated with market and industry dynamics, 3) monitor the conditions subsequent and ensure all conditions are met at any time through the loan life. Perform credit reviews and research of industry/customer-related 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. Other functions and tasks as may be required to assist the Head/Deputy Head of Credit Risk. Skills Required: Possesses a minimum of 5-10 years' work experience in the Commercial Real Estate credit review area. In-depth knowledge and deep understanding of risks and mitigations across different industries, countries, and client types. Business and economy-related know-how, and excellent financial analysis, projection, and stress test skills. Exceptional analytical and negotiation skills, dedicated problem solver with a positive personality and can-do attitude. Collaborative personality and ability to complete tasks independently. Please note that we can only consider candidates who are eligible to work in the UK and are able to provide relevant supporting documentation. Seniority level
Not Applicable Employment type
Full-time Job function
Other Industries
Banking and Investment Banking
#J-18808-Ljbffr
