Credit Analyst - Corporates

  • Market Rate
  • London, England, United Kingdom
  • Permanent, Full time
  • Saxton Leigh
  • 06 Feb 19

Our client is a international bank based in the West End with growth plans for its London operations. They specialise in corporate and retail banking with exposure to the real estate space.

THE RESPONSIBILITIES:

  • Active involvement in credit requests and support prudent credit decisions in line with approved policies and in adherence to relevant UK regulations
  • Understand the Bank’s relevant products and applicable credit policies, process(es) and delegated authories
  • Responsible for producing complete (including satisfactory static data quality, preparation of cash flows where need be) and timely Credit Application packs as per the bank’s policies
  • Appraise, analyse, closely review and comment on all information received from client and Business Unit including but not limited to financial statements, management accounts, market / client research / valuation reports, facility documentation, due diligence report, market & client’s latest developments
  • Recommend appropriate internal risk rating for clients post having updated all relevant client’s qualitative and quantitative inputs into the business’ internal risk rating tool
  • Contact Relationship Managers and/or overseas Credit (where applicable) to request the relevant updated information
  • Assist with preparation and/or maintenance of internal reporting and/or monitoring reports as required
  • Attend client meetings/calls and site visits to discuss and formulate client facility applications
  • Maintain up-to-date credit files
  • Establish strong working relationships and effective communication with key stakeholders, including but not limited to Head of Credit Risk-UK, London Risk and other Credit teams
  • To assist in the preparation and have active participation to the London Branch Risk Committee
  • Checking obligor’s static credit data validity in Credit Administration System (local credit database),the core banking system - Intellect and the Global Markets trading system
  • Perform ad-hoc duties as and when assigned and/or supported by the Manager

 

EXPERIENCE REQUIRED:

  • Bachelor’s degree level in accountancy/ commerce/ economics preferred
  • Strong corporate (and ideally Financial Institution) credit, analytical, communication, interpersonal and presentational skills
  • Good experience of the relevant UK and international market with respect to UK Real Estate, Financial Institutions, large corporates and trade finance.