Senior Credit Analyst | Credit Analyst

Two Corporate Credit Opportunities | LondonSenior Credit Analyst | Credit AnalystWe are supporting a leading international financial institution with the appointment of two Credit Risk professionals to its London-based Corporate Banking team.Both positions offer the opportunity to work within a sophisticated Corporate Credit environment, assessing lending proposals, managing existing exposures and providing independent credit judgement across a range of sectors and financing structures.We are looking for candidates with strong Corporate Banking / Corporate Credit backgrounds, but the two roles have different areas of specialism.SENIOR CREDIT ANALYSTCorporate Credit | Commodities / Commodity Finance | LeadershipThe Senior Credit Analyst will be a key member of the Credit function, working closely with senior Credit leadership and taking responsibility for evaluating corporate credit risk, reviewing complex proposals and approving transactions within delegated authority.A particularly important requirement for this position is strong knowledge of Commodities and Commodity Finance.You should understand the risks associated with commodity businesses and be comfortable assessing the underlying commercial, financial and transactional risks within commodity-related lending.Key responsibilities include:• Assessing and reviewing complex Corporate credit proposals• Providing recommendations to Credit Committee and, where required, Board-level stakeholders• Reviewing existing corporate exposures and portfolio credit quality• Assessing Commodity / Commodity Finance transactions and associated risks• Monitoring portfolio quality, emerging risks and sector concentrations• Reviewing financial analysis, cash flows, risk ratings and lending structures• Supporting credit strategy, policy and risk appetite• Ensuring adherence to IFRS9 and wider Credit policies• Presenting credit cases to senior stakeholders and Credit Committees• Supporting the Head and Deputy Head of Credit• Contributing to strategic projects, policy development and wider Credit initiatives• Providing guidance and support to other members of the Credit teamWe are looking for:7–10+ years' Corporate Credit / Corporate Banking experience, ideally with experience of increasing responsibility and a strong understanding of Commodities and Commodity Finance.International, GCC or MENA experience would be highly advantageous.CREDIT ANALYSTCorporate Credit | Trade Finance / Real Estate / BTLThe Credit Analyst will focus on assessing and monitoring credit risk across a portfolio of Corporate clients, with particular relevance to candidates who have experience in Trade Finance and/or Real Estate / Buy-to-Let (BTL) lending within a Corporate Banking environment.This is an opportunity for an experienced Corporate Credit professional who enjoys getting into the detail of businesses, financial statements, cash flows, lending structures and the underlying risks associated with different financing propositions.Key responsibilities include:• Undertaking fundamental quantitative and qualitative Corporate Credit analysis• Assessing financial strength, cash flows and repayment capacity• Reviewing lending and underwriting proposals• Assessing Trade Finance and/or Real Estate / BTL transactions• Determining appropriate risk ratings and credit recommendations• Reviewing annual credit reviews and business requests• Monitoring existing exposures and identifying emerging risks• Conducting sector and portfolio analysis• Supporting Watchlist and Remedial Asset processes• Undertaking IFRS9 and Climate Risk assessments• Preparing Credit MI and KRIs• Working closely with Relationship Managers and Corporate Banking teams• Presenting or supporting Credit Committee submissions where requiredWe are looking for:3+ years' Corporate Credit / Corporate Banking experience, with meaningful experience in Trade Finance and/or Real Estate / BTL lending.Experience across international, GCC or MENA markets would be advantageous.WHY THESE ROLES MATTERThe risk environment facing Corporate Banking clients is changing rapidly.International trade is increasingly being affected by geopolitical instability and disruption to major shipping routes. For businesses dependent on the movement of commodities and goods, changes to shipping routes, freight costs, insurance, delivery times and working-capital requirements can have a direct impact on cash flow, liquidity and ultimately credit quality.This makes specialist Corporate Credit expertise increasingly important.For a Commodity Finance lender, understanding the underlying commodity, trading flows, counterparties, jurisdictions and financing structure is critical.Equally, for Trade Finance and Real Estate lending, Credit professionals need to understand not only the numbers, but the underlying transaction, security, cash flows and risks within the corporate's business model.The strongest Credit professionals today are therefore those who can combine fundamental financial analysis with genuine sector and transaction expertise, while making well-balanced commercial decisions within the bank's risk appetite.These appointments are an important part of strengthening that capability.London | PermanentIf you have a strong Corporate Banking / Corporate Credit background and specialist experience in Commodities, Commodity Finance, Trade Finance, Real Estate or BTL, we would be very interested in speaking with you.Senior Credit Analyst: Corporate Credit + Commodities / Commodity FinanceCredit Analyst: Corporate Credit + Trade Finance and/or Real Estate / BTLClient identity will remain confidential at this stage. Further details will be provided to relevant candidates.