Senior Credit Analyst

Our Client an international Bank is currently searching for a Senior Credit Analyst for their City of London office.  Details as follows:

Key Accountabilities:

• Assess the creditworthiness of current and prospective Clients to determine the level of risk.
• Write recommendation reports and present to Credit Approval Committee.
• Evaluate a client’s financial statements and credit reports to determine the ability to service debt obligations.
• Collaborate with other departments to gather additional information and ensure a comprehensive understanding of credit risks.
• Assess the quality of credit proposals providing feedback to the frontline and Head of Credit.
• Identify potential enhancements and streamlining to the credit application and approval process.
• Ensure loan applications comply with the Bank’s Credit Policy and Risk Appetite.
• Adherence to regulatory guidelines.
• Act as a sounding board to the frontline on lending proposals.
• Establishment of strong working relationships at all levels
• Support the development of an appropriate risk culture within the business including providing support and training in credit risk analysis.
• Support Head of Credit in managing the Credit team and assist with training of staff

Skills & Experience Required:

• Minimum 5 years UK experience of approving loans to trading businesses (Hotels, Care Homes, Retail etc) and Real Estate (Buy to Let and Development)
• Sound decision making
• Strong analytical and quantitative skills
• Effective verbal and written communication and collaboration skills
• Effective presentation skills
• Regulatory compliance knowledge and understanding of industry best practices.
• Accuracy and attention to detail • Ability to work independently and to tight deadlines
• Proficient in producing MI using Excel
• Some experience of managing staff would be useful.

Our client is an equal opportunity employer and ensures that no applicant is subject to less favourable treatment on the grounds of gender, marital status, race, colour, nationality, ethnic or national origins, age, sexual orientation, responsibilities for dependants, physical or mental disability. Candidates are selected for interview based on their skills, qualifications and experience.

Please note that we can only consider candidates who are eligible to work in the UK and are able to provide relevant supporting documentation.

For further information, please contact: 

Enrico Castagnetti, Wintermann Search & Selection Limited

Mobile:       +44 (0)7711 267500

Email:         enrico@wintermann.co.uk