Corporate Credit Analyst - AVP - Global Banking Group - Up to £72,000 Bonus Benefits - City / London with hybrid working - #2188962

We are working on a new opportunity for a Credit Analyst with 2-5 years of Credit Risk / Credit Analysis experience, to join a successful banking group's Credit department. This is a 2nd line of defence role providing credit risk management, analysis and challenge and review for various transactions and deals covering Oil & Gas, Mining and Metals, Natural Resources, Chemicals, Commodities for Europe, Africa, CIS, Eastern and Central Europe and the Middle East.

Our client offers broader and more involved roles than other banks and this individual would be offered solid learning, development and growth opportunities to work across a variety of sectors while being exposed to the whole lifecycle of a deal/transaction. The role would be joining a solid team who have built a strong reputation in the industry, with a growing and stable / well-run business while offering an excellent platform for Credit professionals to build an interesting career.

Profile Criteria:

1. 2 - 5 years of credit analysis experience from either a banking business or ratings agency.
2. Core skill set of financial/cash flow modelling, understanding of accounting and financial statement analysis, credit understanding and good presentation skills.
3. Demonstrable ability to assess corporate credit risk, identify material risks and mitigants, and produce clear, decision-ready credit recommendations.
4. Working knowledge of corporate lending, trade finance and derivative products, including relevant transaction documentation.
5. Some previous knowledge of Trade/Commodity Finance and/or exposure to Commodities/Natural Resources would be beneficial.
6. High level of IT literacy, strong written and verbal communication skills supporting preparation of succinct and focused credit papers, and strong interpersonal skills supporting collaboration and teamwork.
7. Degree-level education and/or relevant professional qualifications (e.g., ACA, ACCA, ACT, CFA).

Role Purpose:

1. Provide independent second-line credit risk review and challenge for new and existing corporate credit exposures across designated EMEA industry sectors.
2. Deliver clear, risk-based recommendations to delegated credit approvers, ensuring decisions are consistent with the Bank’s risk appetite, policies and standards.

Responsibilities:

Credit transactions

1. Analyse Front Office credit applications in a structured manner for clear identification and articulation of risk issues and how these may be mitigated.
2. Articulate Credit Department risk perception and appetite for a transaction in line with bank policy and procedures, manage the interaction and communication with front office deal teams.
3. Provide appropriate challenge to Front Office on risk issues of a client / transaction, working as a trusted partner with Front Office deal teams to ensure delivery to clients whilst maintaining high credit quality.
4. Collaborate with other risk and compliance functions where appropriate to ensure enterprise-wide view of risk is considered.

Credit portfolio management

1. Ensure obligor grades are accurate and reflect a current forward-looking view of the obligors in the assigned portfolio.
2. Within assigned portfolio, review Self-Assessment submissions and credit cost provisioning for Special Credits.