Skills

Research Risk Identification Risk Analysis Recruitment

Job Specifications

Credit Risk Analyst/ Senior Credit Risk Analyst

12 month Fixed Term Contract

Our Client is a globally recognised, successful bank who provide world-class services to various institutions and individuals. Offering a comprehensive range of retail and corporate financial services/products, this thriving business boasts over 10 million active customers in over 700 business locations. Due to business requirements, we are now looking to acquire the services of an experienced Credit Risk Analyst/Senor Credit Risk Analyst.

Please note that this is a hybrid role with 3 days in the office and 2 days working from home

Key Responsibilities:

The purpose of the role is to support the implementation of various activities of the Credit Risk Department, primarily credit assessment and full account management responsibility for the Portfolio files that the Head of Credit Risk may assign / allocate to you from time to time. Experience in the financing of Mortgages & Wealth Management for UK Buy to Let Residents as well as the laws guiding this within the UK regulatory landscape, and familiarity with credit decisioning methodologies within this space will be an added advantage.

Credit Applications

Process credit applications (including Moody’s RiskCalc financial spreads for FIs and Corporates – as applicable) and make recommendations, highlighting all risk issues pertinent to the credit decision.
Justify credit decisions, both verbally and in writing
Give initial feedback on prospective and existing customer requests to Account Relationship Managers
Give constructive feedback on the work produced by fellow Credit Analysis team members
Ensure quick turnaround of credit requests and ensure the Credit Application Status Log is updated daily

Credit Research

Undertake detailed credit research into countries, industry/sectors, individual borrowers/counterparties in your portfolio using financial and non-financial sources
Participate in customer due diligence site visits, calls, and meetings. Prepare call reports for each visit/call/meeting within one week of the event.

Risk Committees

Prepare for and attend Risk Committee meetings as appropriate
Display knowledge/understanding of the portfolio
Prepare in a timely manner, reports/memos, minutes, meeting/visit/call notes for all submissions under your responsibility or as directed by the Head of Credit Analysis

Credit Portfolios

Develop and maintain a sound 360 degree understanding of your client portfolio
Monitor the risk of client portfolios to ensure they stay within agreed parameters of the Credit Policy and the Risk Appetite Statement.

Compliance and Audit Readiness

Contribute to the Credit Analysis Department’s compliance and audit readiness by making sure that:
All customer and internal correspondence are of the highest quality

Key Skills/Experience:

Previous credit risk analysis experience gained within a banking environment.
A proven ability in Credit Risk identification and control
Experience with transaction structuring and financial/cash flow modelling
Exposure to frontier and emerging markets, preferably Africa, would be an added advantage

In return we offer a fantastic benefits package including:

Up to 10% employer pension contribution
Life Assurance Cover
Income protection
Private Medical Insurance plan (upon successful completion of probation period)
Contribution to glasses/contacts and eye testing
Gym subsidy (up to £50 per month)
Cycle to work scheme
Employee Assistance Program
Interest Free season ticket loan for travel
Birthday Leave
25 days annual leave, rising to 28 after 3 years and 30 after 8 years’ service
Give As You Earn (GAYE)

The Curve Group is a dynamic Recruitment Services and Human Resources business with a mission to transform the working lives of the people and organisations we work with.

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About the Company

www.thecurvegroup.co.uk At The Curve Group we create extraordinary solutions that transform working lives by supporting organisations to design, develop and elevate Recruitment and HR functions. Through expert analysis, benchmarking, consultancy and delivery services, we provide solutions across the entire employee lifecycle to enable better attraction and retention of talent. If you’d like to talk to us today about your plans and ambitions or to get fresh ideas and solutions to your current challenges, get in touch ... Know more