Senior Credit Analyst (Real estate/ Commodity Finance)

Overview

In this role you join the London-based Credit Risk team of an international bank to assess complex lending proposals, with emphasis on Commodity Finance and Commercial Real Estate. You will challenge front office proposals and deliver robust recommendations to the Credit Committee to support sound risk management. You will analyse borrower performance, industry dynamics and macro factors, and apply financial modelling and stress testing to judge creditworthiness. You will monitor exposures and contribute to the ongoing enhancement of credit risk practices across a diverse portfolio. This position offers exposure to high-profile transactions and close collaboration with senior stakeholders.

Responsibilities

• Conduct detailed credit analysis of new lending proposals and existing client relationships
• Prepare and present credit recommendations for Credit Committee approval
• Independently challenge Front Office on transaction structures, risk factors and mitigants
• Assess borrower financial performance, industry dynamics and macro factors to identify risks
• Undertake financial modelling, forecasting and stress testing to evaluate creditworthiness
• Monitor portfolio exposures, limits, covenants and credit performance
• Perform annual and periodic credit reviews across a diverse portfolio
• Identify emerging counterparty, sector and market risks and escalate when needed
• Recommend risk mitigations to support prudent credit decisions
• Contribute to industry research and enhancement of credit risk practices

Key requirements

• Minimum 5 years’ experience in Credit Risk, Credit Analysis or Credit Review in banking
• Strong exposure to Large Corporate lending and Commodity Finance
• Experience with Commercial Real Estate (CRE) financing is highly desirable
• Excellent credit assessment, financial analysis, forecasting and stress testing capabilities
• Solid understanding of corporate credit risk, transaction structures and risk mitigation techniques
• Knowledge of multiple industries, jurisdictions and borrower types
• Ability to produce high-quality credit papers and present to senior stakeholders
• Excellent analytical, communication and stakeholder management skills
• Proactive, collaborative approach with ability to challenge constructively and independently

• Stakeholder management
• Analytical thinking
• Clear communication
• Credit risk assessment
• Financial modelling
• Forecasting and stress testing

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