Company Introduction

Our client is a bank.

Job Responsibilities and Duties

Assess and monitor credit risks associated with new and existing corporate lending facilities, ensuring compliance with the Company’s Risk Appetite Framework and regulatory requirements;
Conduct detailed credit risk assessments and prepare recommendations for consideration by the Credit Committee;
Review credit proposals to ensure they align with the Company’s risk appetite, internal policies and lending criteria;
Liaise with appointed architects regarding property valuations and any related queries;
Collaborate with the Corporate Banking team, providing risk-related guidance and feedback throughout the lending process;
Review credit memoranda and recommend amendments to existing lending facilities where necessary;
Ensure approved lending facilities and related documentation are accurately recorded and maintained within internal systems;
Address queries from the Operations Department regarding approved lending documentation;
Assist in reviewing and updating credit procedures, policies and related documentation;
Monitor lending exposures to ensure compliance with internal risk limits and applicable regulatory requirements;
Provide credit risk expertise and support to Senior Management and external stakeholders when required;
Maintain a thorough understanding of the Company’s policies, risk management standards and strategic objectives.

Experience

A Diploma or Degree in Banking, Risk Management, Finance or a related field;
Previous experience in credit risk assessment, preferably within corporate lending, would be considered an advantage;
Strong understanding of accounting principles and financial analysis, including the ability to interpret income statements, balance sheets, cash flow statements and financial projections;
Knowledge of lending standards, credit assessment procedures and collateral requirements;
Ability to evaluate complex credit proposals and assess associated financial risks;
Proficiency in Microsoft Office applications, particularly Word and Excel;
Excellent written and spoken English.

Personal Skills

Strong analytical and problem-solving skills, with the ability to assess financial information and make informed recommendations;
Excellent organisational and time management skills, with the ability to handle multiple assignments and meet deadlines;
High attention to detail, ensuring accuracy in credit assessments and documentation;
Excellent communication and interpersonal skills, with the ability to collaborate effectively with colleagues and stakeholders;
Proactive and self-motivated, with the ability to work independently and take initiative;
High level of professionalism, integrity and commitment to ethical standards;
Strong team player with a positive attitude and willingness to contribute to the department’s objectives.

Please note that all job applicants will be automatically added to the Broadwing LTD candidate database and will receive an automatic email with user credentials to benefit from our online platform.

Credit Risk Analyst

Job Description