Senior Credit Analyst

1 month ago


United Kingdom Wintermann Search Full time

Credit Analyst – Project Finance & Structured Finance
Our client, a Global Bank is currently searching for a Credit Analyst for their Project Finance and Structured Finance, based in London 
Minimise the Bank’s credit-related losses by identifying and reasonably measuring the credit risks and mitigants in proposals, reviewsetc.
Make clear and unambiguous recommendations to Credit Committee, in accordance with the Bank’s credit policies, regarding theacceptability of particular business deals from a credit perspective whilst simultaneously maintaining an independent and objective view within the credit process.
Effectively monitoring, identifying and reasonably measuring credit risk within the Bank’s asset portfolio.
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 Credit Risk Department who is in charge of the credit approval work inCRD.
Provide credit evaluation report for various credit products which provides overview of transactions, financial and non-financial riskanalysis, key risks identified with the associated mitigation if any as well as credit recommendation (including suggested credit enhancement as well as management conditions). Assisting with theimplementation of credit risk appetite, credit policies and procedures and management processes once they are established. Make sure the credit transactions are compliant with creditpolicies.
This position mainly focuses on project finance business and may also cover some other sector’s credit business based on the types ofproposal from front office.
Provide effective challenges as well as guidance to the proposals from Front Office; Draft and present credit opinions to CreditCommittee, by 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, inaccordance with pre-agreed Departmental objectives.
Provide Head of CRD and DGM (credit) as well as credit committee with the professional risk analysis and appropriate risk mitigationmeasure in a timely manner.
Conduct post lending management work including but not limited to 1) monitor the credit ceilings and credit exposures carefully toensure loan performing well with all covenants well maintained, 2) monitor the financial performance of the borrower regularly associated with market and industry dynamics, 3) monitor the conditionssubsequent and ensure all conditions are met at any time through the loan life.
Perform credit review and research of industry / customer-related information for all new proposals and (on at least an annual basis)for existing customers.
Proactively monitor industry and sector trends as well as counterparty risks for early warning signals.
Other functions and tasks as maybe required to assist the Head/Deputy Head of Credit Risk.
Senior Management Function (SMF) – one that involves the person performing it being responsible for managing one or more aspects of thefirm’s affairs, so far as it relates to regulated activities, and those aspects involve, or might involve, a risk of serious consequence for the person, or for the firm or for other interests in theUK.
Advising on, dealing (as principal or agent) and arranging (bringing about) deals in and/or managing investments
Giving advice to clients in connection with corporate finance business and performing other functions relating to this
Role holder is a voting member of the Credit Committee
The incumbent must comply with the requirements under the Senior Managers and Certification Regime.
Possesses a minimum of 3-5 years' work experience in Project Finance/Structured Finance credit review area.
In-depth knowledge and deep understanding of risks and mitigations across different industries, countries and clients’ type. Businessand economy related know-how, and excellent financial analysis, projection and stress test skills.
Our client is an equal opportunity employer and ensures that no applicant is subject to less favourable treatment on the grounds ofgender, marital status, race, colour, nationality, ethnic or national origins, age, sexual orientation, responsibilities for dependants, physical or mental disability.



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