(Senior) Credit Analyst

Open

As an experienced credit analyst in the corporate banking sector, our client will offer you an exciting opportunity to join their team in the city centre. You’ll work on a range of high profile matters, creating scope for professional challenge and continued learning.
The role will require you to perform independent and high-quality credit analyses, working closely with internal colleagues across teams and the Credit Committee to provide expert credit advice throughout the investment lifecycle.
Main Duties and Responsibilities:
• Conduct detailed financial, commercial and credit analysis of existing and prospective corporate clients. You must have experience of the assessment in the context of major lending activity across syndicated and structured lending activities.
• Prepare high-quality, comprehensive credit applications and transaction proposals, formulating independent credit opinions.
• Present credit applications and recommendations to the Credit Committee.
• Perform ongoing financial surveillance of corporate clients and counterparties.
• Monitor existing loan exposures, including financial covenants, and contractual obligations.
• Identify emerging credit risks and changes in credit quality, ensuring appropriate escalation.
• Support the Relationship Managers in client meetings and in their business development.
• Balance commercial objectives with prudent risk management.
• Contribute to the development and improvement of tools and procedures and ensure the credit activities comply with the Bank’s policies.

• Bachelor’s or Master’s degree ideally in Banking or Finance
• You must be prepared to work in the office full time (no regular homeworking permitted, albeit there is flexibility under certain circumstances). The idea is foster a collegiate environment, enabling colleagues to learn from each other and share knowledge every working day.
• A minimum of 5 years of experience in a similar position in a commercial bank dealing with corporate and institutional clients working on syndicated loans, bonds, bilateral loans etc…
• The ability to explain complex information clearly
• Strong analytical and financial assessment skills
• The ability to form independent credit opinions and recommendations
• Strong attention to detail and a structured approach to credit analysis
• The ability to work effectively with Relationship Managers, senior management, clients and internal stakeholders
• Ability to balance commercial considerations with sound risk management principles
• Excellent professional judgement, sense of integrity and a strong commitment to confidentiality and risk governance
• Fluency in English is required; additional European languages, particularly French or German would be useful