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Banking Senior Credit Analyst

Barbara Houghton Associates
London, United Kingdom
Competitive Salary
Closing date
Feb 13, 2024

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Job Role
Credit Control
Contract Type
Full Time
It is essential that all applicants have 3 years UK previous banking work experience with Credit Risk.

Our client is looking for a Credit Analyst FI & Corporates person to join their team on a permanent basis.


Supporting the Deputy Head of Risk (in charge of credit risk) to manage credit risks while assisting in the process of putting profitable business on books.



To provide high quality and independent credit risk assessments and recommendations for corporate, financial institution and counterparties, issuers and clients, particularly in the area of trade finance.

To provide comprehensive and accurate credit analysis of country risks

To provide technical support, advice and assistance to all Business Areas on all credit related matters

To provide advice in respect of the structuring of prospective transactions and guidance in respect of the completion of credit proposals to ensure all risks are identified in an efficient manner

To assist with arranging of Credit Committee meetings and approvals and the presentation of credit proposals to Head Office

To assist in establishing and maintaining credit risk management controls, systems and procedures that meet the requirements of relevant parties

To monitor adherence to approved credit limits and to ensure that the Deputy Head of Risk (in charge of credit risk) is informed of all material excesses on the same working day as identified

To ensure that all credit risks are properly monitored and controlled and to ensure that the credit limits are all formally reviewed

To minimise the time taken between problem recognition and cash recovery; to undertake regular monitoring and review of problem loans

To liaise with the Head Office regarding credit risk issues and to assist with Head Office reporting

Responsibility for the provision of policy, tools, techniques and support to enable conduct and compliance risk to be managed in the first line. Conduct monitoring and reporting to assess the design and effectiveness of first line controls and ensure consistency of definitions and measurement of conduct risk. To ensure policy and processes meet legal and regulatory requirements, identify opportunities to improve the framework and collaborate with the First Line of Defence to implement and embed changes.

Reporting and escalating material risk events, including conduct risk events and conflicts of interest, or losses to the Deputy Head of Risk.

Ensuring transactions arranged are in accordance with the Tax Risk Policy and are documented in accordance with the Legal Policy and any applicable departmental procedures.

Ensuring managing the use of IT systems and of data, particularly personal data, in accordance with the IT Security Policy and the Data Protection Policy and any applicable departmental procedures.

Ensuring timely completion of training as required.

Skills, Experience and Qualifications:

Educated to degree and/or appropriate professional qualification level

Strong experience in analyzing credit risks of all types, with particular emphasis on large corporate clients in UK / Western European markets

Excellent communication skills, both written and verbal

A sound understanding of a broad range of wholesale lending products

A basic understanding of market risks and operational risks would be an advantage

Good team skills, in particular the ability to work closely with the business areas while retaining independence

For more information on this role please contact Judith Webb quoting ref 16677JW.

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