Credit Analyst

THE COMPANY:

Our client is a multinational commercial bank with offices based in the City.

THE RESPONSIBILITIES:

• Objectively assess referred BTL and commercial financing deals to policy and mandate.
• Meet KPIs related to review of credit requests, reporting and other performance standards.
• Revert to the RM with queries on the credit application within specified turnaround time.
• Ensure all major queries are resolved prior to the case being submitted to the Head of Credit Approval.
• Highlighting any shortfall to the credit process chain.
• Documentation of proposal related information to be in conformity with requirements as set out internally.
• Check monthly/quarterly portfolio review reports.
• Preparation of various reports sanctioning committees and annual reviews.
• Monitoring and performance review of existing portfolio.
• Maintain electronic filing of all credit requests and diarising for the receipt of information from the branches.
• To remain up to date with the changes in bank’s business profile, internal systems and processes and regulatory requirements.
• Undertake projects and assignments from time to time as directed by the Head of Credit Approval.
• Liaison with Credit Administration, ACPM, Finance, Compliance and Audit for processes relating to Credit Approval function.

EXPERIENCE REQUIRED:

• Commercial risk management experience with direct exposure to decision making and sanctioning procedures
• Direct exposure gained from tenure spent in Relationship Management Team
• Sound understanding of the UK market for SME lending & Trade Finance.
• High level of understanding of financial statements
• Sound understanding of Risks and Mitigants for On-Balance sheet and Off-Balance Sheet credit facilities.
• Understanding of BASEL and PRA & FCA Risk Guidelines, Calculations and Policy Adherence
• Proficiency in the use of Excel, spread-sheets, database tools

For further information please contact Natalie Antat