p An excellent opportunity has arisen for an experienced Credit Analyst to join the Credit function of a leading international bank within its London office. The successful candidate will be responsible for undertaking comprehensive credit analysis across a diverse lending portfolio, including: /p p br /p ul li Corporate and commercial borrowers /li li Commercial real estate transactions /li li Private banking and retail facilities secured against property /li li Banks and other financial institutions /li /ul p br /p p Working closely with Relationship Directors, business development teams and senior credit stakeholders, the Credit Analyst will assess new lending proposals, annual reviews, facility renewals and amendments, providing clear, well-supported recommendations to the relevant credit approval authorities. /p p br /p p strong Key Responsibilities /strong /p p br /p p Credit Analysis and Underwriting /p ul li Review credit applications originated by the Bank’s Corporate, Commercial Real Estate, Private Banking, Retail Banking and Financial Institutions business areas. /li li Undertake detailed credit risk assessments for new lending proposals, facility renewals, amendments and annual reviews. /li li Prepare high-quality written credit reports and recommendations for individuals, corporate borrowers, public-sector organisations, banks and other financial institutions. /li li Analyse the financial position, performance, funding requirements and repayment capacity of corporate and non-corporate borrowers. /li li Spread and interpret financial statements, management accounts, cash flow information and financial projections. /li li Prepare or assess cash flow forecasts, sensitivity analyses and stress-testing scenarios where required. /li li Evaluate transaction structures, sources of repayment, security packages, guarantees, collateral coverage and key credit risks. /li li Review commercial real estate lending proposals, including transactions supported by property assets or mortgage security. /li li Assess private banking and retail lending applications where facilities are secured against property or other assets. /li li Review external credit reports, covenant compliance certificates, valuations, legal documentation and other supporting information. /li li Assign and maintain appropriate internal credit ratings in accordance with the Bank’s credit methodology. /li li Ensure credit recommendations are clearly evidenced, commercially considered and aligned with the Bank’s credit risk appetite, policies and procedures. /li /ul p br /p p Portfolio Monitoring and Annual Reviews /p ul li Complete annual and interim credit reviews for corporate borrowers, non-corporate customers, banks and other financial institutions within agreed timescales. /li li Monitor borrower performance, covenant compliance, facility utilisation, repayment behaviour and emerging credit risks. /li li Prepare monthly portfolio reports, watchlist updates, exception reports and other management information. /li li Identify deteriorating credit quality, emerging risks or potential early-warning indicators and escalate concerns promptly. /li li Maintain accurate and up-to-date borrower files, financial information, credit records and supporting documentation. /li li Review management information produced for the Credit function to ensure that exceptions, overdue reviews and control issues are appropriately identified and managed. /li /ul p br /p p Stakeholder Management /p ul li Work closely with Relationship Directors and Account Officers to understand customers, transaction structures and lending requirements. /li li Support business development teams in structuring credit proposals and addressing credit-related queries. /li li Provide credit analysis and supporting information to Credit Committees and other approval authorities. /li li Attend customer meetings and site visits alongside Relationship Directors or Account Officers where appropriate. /li li Liaise with Treasury, Trade Finance, Finance, Legal, Operations, Compliance and other internal stakeholders. /li li Communicate credit decisions, conditions and information requirements clearly and constructively. /li li Contribute to the continuous improvement of credit processes, reporting standards, service levels and departmental controls. /li /ul p br /p p Skills and Experience /p ul li Previous experience in credit analysis, credit underwriting or credit risk within a bank or regulated financial institution. /li li Strong financial statement analysis and financial modelling capabilities. /li li Experience assessing corporate lending applications and completing annual credit reviews. /li li Exposure to one or more of the following would be advantageous: /li li Corporate and commercial lending /li li Commercial real estate finance /li li Private banking or asset-backed lending /li li Banks and financial institutions /li li Ability to assess complex financial information and present clear, concise and commercially balanced credit recommendations. /li li Good understanding of credit structures, security, covenants, internal credit ratings and portfolio monitoring. /li li Strong written and verbal communication skills. /li li Excellent attention to detail, organisation and time management. /li li Ability to manage multiple credit submissions and annual reviews within agreed deadlines. /li li A relevant degree, banking qualification, accountancy qualification or credit-related professional qualification would be advantageous. /li /ul p /p
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