Senior Credit Strategist

3 weeks ago

London, Greater London, United Kingdom Dnevo Partners Ltd Full time
About the Role

We are seeking a highly skilled Senior Credit Analyst to join our Commercial Real Estate team at Dnevo Partners Ltd, an International Bank based in the city.

This senior-level credit risk position requires in-depth knowledge and deep understanding of risks and mitigants across different industries, countries, and client types, as well as business and economy-related know-how, and excellent financial analysis, projection, and stress test skills.

Main Objectives:

  • Minimise credit-related losses by identifying and reasonably measuring credit risks and mitigants in proposals, reviews, etc.
  • Make clear and unambiguous recommendations to the Credit Committee regarding the acceptability of particular business deals from a credit perspective while 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 responsible for the Credit Approval and Credit Management functions.

This role will report to the Deputy Head/Manager in the Credit Risk Department who oversees the credit approval work in the Commercial Real Estate team.

Main Responsibilities & Accountabilities:

  • Complete credit evaluation reports providing 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 enhancements and management conditions).
  • Assist with the implementation of credit risk appetite, credit policies, and procedures, and management processes once established. Ensure credit transactions comply with credit policies.

This position focuses mainly on Commercial Real Estate business and may also cover other sectors' credit business based on proposal types from the front office.

  • Provide effective challenges and guidance to 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 professional risk analysis and appropriate risk mitigation measures to the Head of Credit Risk Department, Deputy General Manager (Credit), and credit committee in a timely manner.

Post-lending management work includes:

  1. Monitoring credit ceilings and exposures to ensure loan performance with all covenants well maintained.
  2. Monitoring the financial performance of borrowers regularly, associated with market and industry dynamics.
  3. Monitoring conditions subsequent and ensuring all conditions are met throughout the loan life.
  • Performing credit review and research of industry/customer-related information for new proposals and (at least annually) for existing customers.
  • Proactively monitoring industry and sector trends as well as counterparty risks for early warning signals.
  • Other functions and tasks as required to assist the Head/Deputy Head of Credit Risk.

Requirements:

1) Possesses a minimum of 5-10 years' work experience in Commercial Real Estate credit review area.

2) 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.

3) Exceptional analytical and negotiation skills, dedicated problem solver with a positive personality and can-do attitude.

4) Collaborative personality and ability to complete tasks independently.

Estimated Salary: $120,000 - $180,000 per year.

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