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On behalf of our client, a well-establish International Bank based in London we are looking to recruit a Credit Manager to join their team. The main purpose of the role is to support the implementation of various activities of the Credit Analysis Department, primarily credit assessment and full account management responsibility for the Portfolio and secondary responsibility for the other portfolio files that the Head of Credit Analysis may assign / allocate to you from time to time.
The successful candidate will have strong understanding of end to end processing of various forms of credit requests, ensuring timely and accurate processing of credit applications and reviews whilst maintaining an environment focused on credit quality,service, accuracy and efficiency.
Process credit applications 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 Dealers and 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
Undertake detailed credit research into countries, industry/sectors, individual borrowers/counter parties 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.
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
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
Contribute to the Credit Analysis Departments compliance and audit readiness by making sure that: All customer and internal correspondence are of the highest quality
All files (including soft copy customer files), paperwork and systems are maintained in line with the Banksrequirements, formats and standards
Enforce and maintain a clear desk policy and familiarise yourself with GDPR regulation
Annual credit reviews and review date extension requests are prepared prior to expiry
Achieve and maintain a comprehensive product and portfolio knowledge
Credit and other relevant policies and procedures are always followed and adhered to
Diligently handle and timely respond to regulatory and audit requests/queries
Actively participate in credit projects and initiatives as appropriate (including attendance at calls, meetings and site visits etc. as directed by the Head of Credit Analysis
Ensure periodic project reviews/updates are submitted to the Head of Risk Analysis to track progress
Skills and knowledge:
Bachelor's degree, preferably in statistics, economics, mathematics, or a similar field with quantitative coursework or proven professional experience utilising quantitative analysis
Financial Risk Management would be desirable
Minimum University degree
A minimum of 5 years credit risk experience gained within a banking environment.
A proven ability in credit risk identification and control
Exposure to frontier and emerging markets, preferably Africa, would be an added advantage but not essential. However, a strong interest for these markets must be evident.
Excellent Excel, Word, PowerPoint, Outlook skills
Experience with using industry standard statistics and data visualisation packages.
An ability to ?think outside the box and look for creative solutions
Strong presentation skills and an ability to report to and manage senior stakeholders
Excellent communication skills; proven experience in communicating to senior leadership
Must be able to demonstrate interest in financial modelling
Fluency in French would be high advantageous
Please send a copy of your CV to Sonia@bhal.co.uk or call on 0207 972 9462
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