Corporate Credit Analyst- Regulated funds EMEA
PLEASE NOTE FLUENCY IN FRENCH IS ESSENTIAL FOR THIS ROLE
* Undertake data quality maintenance to ensure reporting is accurate and issues are dealt with on a timely basis
* Undertake financial spreading supervised by Senior Credit Officers (historic and forward looking; annually and quarterly analysis; financial statement spreading)
* Support Senior Credit Officers with client due diligence activities
* Hold timely and productive kick-off meetings with right shored Credit Analysts. Review financial analysis provided by Credit Analysts (in right shored locations); providing constructive feedback as appropriate to ensure required standards are met
* Support Credit Team via sharing of information / portfolio updates
* Provide constant support for Senior Credit Officers with presentations and day -to-day business-requests and interaction with global network
* Attend meetings with and maintain regular contact with the front office and product areas in MIB in order to build good working relationships
* Play a role in supporting the Credit Risk change agenda
* Assist more senior Credit Officers in the preparation of portfolio reports
* To understand and, if appropriate, influence the MIB strategy and business model and identify, challenge and resolve with management areas which conflict with the risk appetite of the division.
Risk, Control and Efficiency
Support the development of a robust risk and control culture, as well as helping to support policy development. Key objectives are to:
* Draft credit applications in line with the annual review schedule and related to individual transactions as well as new clients
* Proactively identify and communicate credit risk issues in a clear and concise manner (conclusive manner supported by facts) and provide quality input into credit analysis
* Provide input into client visit preparations and other internal presentations
* Line of Defence:
- Actively consider the inherent, material risks of the business/organisation. They should analyse the risk profile and seek confirmation that the risks are being appropriately identified, assessed and mitigated to the desired level (Risk Appetite).
- Establish and deploy robust risk and control frameworks which meet the strategic needs of the Group, including communication, training and awareness.
- Provide expert support and advice to the business on risk management. This includes interpreting and complying with the risk policy standards and risk management framework.
- Conduct suitable assurance to ensure 1st line compliance with policies/responsibilities.
- Provide senior executive with relevant management information and reports and escalate concerns where appropriate.
* Conduct Risk: To be accountable for ensuring you understand, uphold and promote the Conduct Risk standard pillars:
- Employee Conduct
- Corporate Conduct
- Market Conduct
- Conduct Towards our Customers
Customer Expectations
Gain a good understanding of internal processes, data requirements and systems. Key objectives are to:
* Timely update and monitor data accuracy for the individual counterparts and portfolio to allow an accurate internal and external reporting
People Management
Contribute to the development of a 'team working' ethos, take responsibility for own personal development and assist peers with development where appropriate. Key objectives are to:
* Develop a well thought through and actionable Personal Development Plan (PDP), to be shared and agreed with your Senior Credit Officer. Pro-actively seek feedback and appraisals on a timely basis to support personal development
* Refresh, develop and maintain product and risk management knowledge relative to the GBM business
* Identify individual training requirements and incorporate these into own PDP. Assist with training and coaching of more junior staff where appropriate
* Performance Management: Comply with HR performance processes and, if appropriate, set objectives for all direct reports and conduct mid/full year performance reviews.
Scope of Role: What decisions will be required of the job / role?
* Exercise Delegated Authority, if appropriate
Background
Experience: What previous experience is required to do the job / role?
Essential:
Desirable:
* 5yrs + credit experience to include at least 2 years covering regulated fund counterparties in EMEA.
* Strong FI product knowledge with a particular focus on derivatives, FX, repos and trade finance products.
* Language skills (Fluent French and Italian preferable).
* Basic working knowledge of credit grading models
*
Qualifications: What training or qualifications are required to do the job / role?
Essential:
Desirable:
* Educated to degree level or above, or
* Relevant professional qualification / experience
*
Technical Competence: What are the specific skills, knowledge and abilities required of the job / role?
Essential:
Desirable:
* Understanding of business issues affecting the sectors / regions handled
* Knowledge and understanding of financial statements
* IT fluency and knowledge of / or capacity to learn IT systems in use in the credit risk processes
* Preparation of credit applications
* Strong derivative product and documentation experience.
www.badenochandclark.com - Let's find the career that connects with your life.Badenoch Clark is acting as an Employment Business in relation to this vacancy. Badenoch Clark is an Equal Opportunity Employer and a registered Disability Symbol User.
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