Credit Risk Specialist
5 days ago
We are seeking a highly skilled Credit Risk Specialist to join our team at Bank of America. As a Credit Risk Specialist, you will be responsible for analyzing and delivering credit underwriting debt financing solutions and derivative strategies for medium and large corporate clients.
Key Responsibilities- Perform financial and credit analysis, risk rating analysis ensuring adherence to prevailing credit policy and procedures for an assigned portfolio.
- Independently assess credit worthiness, perform intensive qualitative and quantitative due diligence of prospective borrowers and/or trading counterparties and establish appropriate terms and conditions to mitigate risk.
- Structuring transactions, underwriting and negotiating credit documentation designed to meet both client and investor needs including credit agreements, amendments, derivative documentation.
- Ensure granularity of the portfolio with specific reference to targets for net country/credit capital, legally binding commitments, total exposure and asset quality.
- Establish appropriate internal risk ratings for clients and implement accurate adjustments throughout the client's credit life cycle.
- Ensure that the portfolio and credit management process are at all times rated 'satisfactory' by internal auditors, the Credit Review group and external Regulators.
- Develop and maintain a deep understanding of the product spectrum and portfolio at client, industry, and macro level in order to assess risk and craft value added solutions balancing risk.
- Develop, maintain, and manage internal relationships with business partners including Corporate and Investment Bankers, Sales & Trading, Risk Management, Loan Capital Markets, and Legal.
- Participate in strategic projects to support business goals.
- Credit risk experience at a major international financial institution, analysing, assessing companies in assigned region and in different sectors and structuring transactions.
- Strong credit skills, risk judgment and broader risk awareness and understanding of the wider business, market and regulatory environment in which the bank operates, and how that impacts client and portfolio's credit profile and ability to defend rigorously a fact-based point of view.
- Sound product, documentation and process knowledge across lending, trade finance and derivative products.
- Strong organisational skills with ability to prioritise work under pressure, drive deal selection, negotiate solutions, strong transaction management process, and proactively manage credit risks.
- Commercial mindset to support value added discussions with effective interpersonal and written and verbal communication skills, and attention to detail and accuracy.
Good conduct and sound judgment is crucial to our long term success. It's important that all employees in the organisation understand the expected standards of conduct and how we manage conduct risk. Individual accountability and an ownership mind-set are the cornerstones of our Code of Conduct and are at the heart of managing risk well.
We are an equal opportunities employer, and ensure that no applicant is subject to less favourable treatment on the grounds of gender, gender identity, marital status, race, colour, nationality, ethnic or national origins, age, sexual orientation, socio-economic background, responsibilities for dependants, physical or mental disability. The Bank selects candidates for interview based on their skills, qualifications and experience.
We strive to ensure that our recruitment processes are accessible for all candidates and encourage any candidates to tell us about any adjustment requirements.
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London, Greater London, United Kingdom Hays Specialist Recruitment Limited Full timeAbout the Role:Hays Specialist Recruitment Limited is seeking a highly skilled Credit Analyst to join our team in the City of London. As a Credit Analyst, you will play a crucial role in evaluating credit facility proposals for both commercial and residential clients.Key Responsibilities:Evaluate credit facility proposals for commercial and residential...
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4 days ago
London, Greater London, United Kingdom Hays Specialist Recruitment Limited Full timeAbout the Role:Hays Specialist Recruitment Limited is seeking a highly skilled Credit Analyst to join our team in the City of London. As a Credit Analyst, you will play a crucial role in evaluating credit facility proposals for both commercial and residential clients.Key Responsibilities:Evaluate credit facility proposals for commercial and residential...
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4 days ago
London, Greater London, United Kingdom Richard James Recruitment Specialists Ltd Full timeAbout the RoleWe are seeking a highly skilled Credit Risk Analyst to join our team at Richard James Recruitment Specialists Ltd. As a Credit Risk Analyst, you will play a crucial role in ensuring the financial stability of our clients by identifying and mitigating potential credit risks.Key ResponsibilitiesConduct thorough credit risk assessments on existing...
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Credit Risk Specialist
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Credit Risk Specialist
5 days ago
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