Credit Risk Analyst

4 weeks ago

London, UK, United Kingdom Pontoon Solutions Full time

Job Title: Credit Analyst

Department: Group Credit Department (CD)

Line Manager: Head of Planning

Also report to Head of Credit

Location: London


Purpose of Job

  • Credit analyst member of the second Line of Defence responsible for the credit analysis, monitoring and management of the credit risk of a diverse portfolio of assets mainly to Japanese corporate clients.
  • Contribute to the development and maintenance of the credit risk management framework, including the maintenance of exact procedures and processes in credit analysis, monitoring and management in accordance with national KWG and MaRisk) and international regulations (EBA, ECB)
  • Interact with internal and external stakeholders as required including (but not limited to) senior management, external auditors and regulators
  • Support the Head of Credit and other colleagues in day to day management of credit risk and support CD functions generally


Background

The Job Holder is appointed as Credit Analyst within Credit Department and solely dedicated to credit monitoring and transactions booked in order to comply with the German Banking Act and MaRisk requirements in relation to transactions with the bank’s customers, based on Service level agreements


Facts / Scale

  • The Job Holder is responsible to ensure monitoring of credit exposure for transactions booked. Analysing the credit risk associated with transactions originated by the front office departments (covering both lending and derivatives transactions among others for mainly Japanese corporate clients)
  • Analysing the credit risk associated with transactions originated by the front office departments (covering both lending and derivatives transactions among others for mainly Japanese corporate clients)
  • Elaborating and presenting a recommendation to the Executive Board (under the Bank’s governance) for decision;
  • Monitoring performance of loans and other products in line with policies and procedures
  • Liaising with Front Offices, other Credit Departments and departments (Treasury, F&C, Planning Depts)
  • Participating and contributing internal, external audits and regulatory interactions.


Accountabilities & Responsibilities

  • Critically analyse credit applications and their contents submitted by Front Offices in accordance with the application and approval policies and procedures of the banks
  • Prepare written, precise summaries in a standardised format for presentation to the Executive Board or delegated authority
  • Report material matters identified to the appropriate authorities (for example, Special Credit Review, Credit and Prudential Risk Committees)
  • Assist in the preparation and review of internal policies and procedures related to credit matters responsibility of CD
  • Adhere to internal policies and rules of the banks generally


Knowledge, Skills, Experience & Qualifications

  • Sufficient experience in credit analysis in the field of corporate banking and corporate banking products;
  • Sufficient of credit risk management requirements and regulations both at European and German level (EBA, ECB, MaRisk KWG)
  • Sufficient understanding and knowledge credit risk management requirements and rules
  • Strong numerical and financial analysis skills across products offered by the banks
  • Good understanding of global economics and sectors in order to identify opportunities and threats to existing and potential transactions
  • Inquisitive nature and a desire to gain knowledge and experience across product and sector types and the banks’ various systems
  • Degree level education and Fluency in written English and German (if possible)
  • Strong communications skills and culture awareness
  • Business level Japanese language proficiency is a strong advantage



If you believe you have the experience required, please apply with your CV now for instant consideration


TO APPLY - PLEASE APPLY WITH AN UP-TO-DATE CV


Candidates will ideally show evidence of the above in their CV in order to be considered.

Please be advised if you haven't heard from us within 48 hours then unfortunately your application has not been successful on this occasion, we may however keep your details on file for any suitable future vacancies and contact you accordingly.


*Pontoon is an employment consultancy. We put expertise, energy, and enthusiasm into improving everyone’s chance of being part of the workplace. We respect and appreciate people of all ethnicities, generations, religious beliefs, sexual orientations, gender identities, and more. We do this by showcasing their talents, skills, and unique experience in an inclusive environment that helps them thrive.

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