Credit Risk Analyst

THE COMPANY:

An international bank is expanding its Risk function with a newly created position focused on Credit Risk Analyst. Reporting into the Chief Risk Officer, this role offers an opportunity to play a key part in developing and strengthening the bank’s credit risk oversight across asset finance and trade finance portfolios. You’ll be joining a small, experienced Risk team responsible for independent oversight of the credit function. This role is ideal for someone who understands credit risk in the asset finance space, enjoys working across business lines, and wants to add value in a growing organisation.

Key Responsibilities:

• Assessing the credit applications received from Front Office (1LoD); asses credit risk through analysis of financial statement and other relevant credit data.
• Evaluate sector, environmental and business risks associated with the credit requests.
• Manage and improving the risk profile within the customer segment by implementing lending and credit guidelines and ensuring credit standards are consistent with banks credit policy.
• Review transaction and ensure transactions comply with credit sanctions and documentation requirement.
• Partner with key stakeholders to review new structures, policy exceptions and control solutions.
• Interact and manage expectations with 1LoD (business and sales team) and guide them in risk identification, analysis and presentation.
• Monitor customer covenants.
• Assist any coordinating any drawdowns in facility and maintain appropriate records and reporting as required.
• Work collaboratively with other risk disciplines such as operational risk where appropriate to ensure enterprise- wide view of risk is considered for a counterparty, portfolio, asset class etc.
• Maintaining an updated watchlist and informing the team of any news that may change a recommendation or require senior management action and Liaising with Finance for IFRS 9 provision model calculating & reporting
• Proactively monitoring loan portfolio and identify important early warning signals for 1LoD
• Prepare monthly CRECO reports and provide recommendations to committee
• Attend Credit Committee meetings for the purpose of taking notes and subsequently drafting a full set of minutes for approval by the committee members.
• To abide by the requirement of the FCA’s Consumer Duty Regulations to ensure customers’ needs are placed first and fairness and good value remains at the heart of the Bank’s products and services.
• Other functions and tasks as maybe required to assist the CRO.

Skills & Experience:

• Strong experience in Credit Risk and/or Trade Finance Risk (experience in emerging markets advantageous).
• Proven credit underwriting and risk analysis skills.
• Solid understanding of traditional trade instruments and structured finance transactions.
• Ability to work effectively in a fast-paced, multi-tasking environment.
• Excellent stakeholder management and communication skills.
• Strong attention to detail, organisation, and Excel proficiency.
• Experience reviewing or negotiating legal documentation is beneficial.
• Self-starter with a proactive, “can-do” mindset.