Credit Analyst

Credit Analyst
City of London
Permanent
£50-55k
Hybrid Working

Do you want to work in the corporate credit department of a well-structured, well established international bank? cer Financial are working alongside a Bank who are based in the west end.  They are seeking an corporate Credit Analyst who is ideally degree educated to work with them on a permanent basis.

Portfolio consists of broad lending across Project Finance, Real Estate (Commercial and small Residential), Corporate Lending and some Private banking. 

The Responsibilities of a Credit Analyst Will Include:

• Prepares written credit analysis reports on new lending proposals and on annual reviews to evaluate credit risk involved in extending facilities to individuals, corporations, financial institutions and public organizations. 
• Spreading the financial statements; analysing the risk, where necessary support the analysis by cash flow forecasts; and the writing of the credit recommendations for complex credits. 
• Preparing analytical reports assessing the level of risk in the extension of new credit facilities and renewal of existing facilities for banks and other financial institutions. 
• Adhere to the guidelines of climate risk analysis.
• Report policy/procedure breaches and areas of potential non-compliance and suspicions promptly and execute controls to minimise risk of policy, procedure, and/or regulatory breaches. 
• Identify new risks/control gaps within own area
• Conduct political and economic analysis of assigned countries and maintain current knowledge of certain assigned industries to prepare relevant study on economic trends in industry sectors and to assess industry risk. 
• Review MIS reports produced by and for the departments to ensure robust exception controls. 
• Contact banks, trade and credit agencies and others to obtain credit information. 
• Maintaining and updating files with information on borrowers. 
• Observe the departmental quality standards on service level agreements and participate in enhancing these standards. 

The Successful Credit Analyst Will Have:

• Ideally degree educated. 
• Between 2-4 years’ worth of corporate credit analyst experience