Credit Analyst
As a Credit Officer you will be working with a wide portfolio of mid sized corporate clients. You will need to understand their loan requirements, structure transactions and become their advocate when presenting their needs to an internal Risk Committee.
You will also need to have exceptional communication and client-facing skills as well as an ability to build strategic relationships with key stakeholders.
The ideal candidate will have:
- Demonstrable experience in a credit analysis role covering a portfolio of mid-sized corporates.
- Demonstrable exposure to the UK corporate commercial banking sector and a sound understanding of bilateral / club and syndicated type facilities.
- A very good understanding of financial forecasting methodology and credit rating interpretation
- Banking, Treasury or Accountancy professional qualifications and/or educated to degree level or equivalent
- A very good understanding of financial forecasting methodology, credit rating interpretation and loan documentation
- Strong Relationship management skills
The core responsibilities of this role will involve:
- In partnership with Relationship Managers, take personal responsibility for a portfolio of regionally based client relationships, undertaking appropriate due diligence, preparing annual renewal and other interim Credit Applications and making approval recommendations to the appropriate approval level.
- Ensuring that all the relevant financial and non financial aspects are considered, resulting in all the respective credit risks being identified and suitably mitigated
- Undertaking effective ongoing portfolio management of this portfolio, including covenant compliance
- Present credit applications to the respective credit approval committee, providing an independent, balanced view of the credit risks and proposing a course of action
- Provide constructive support to the Business; where appropriate seek to identify effective solutions with the objective of structuring transactions to meet the Banks credit policy framework and delivery of financial targets.
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