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Credit Analyst - Structured Finance - AVP - Global Banking Group - £60,000 - £70,000 + Bonus + Benefits - City/London (with hybrid working)

LH Partners London, United Kingdom
Posted 2 days ago Hybrid Permanent £60,000 - £70,000 + Bonus + Benefits
P
Posted by
Phil Han
Managing Director
We are working on a new Credit Analyst opportunity to join a successful global banking group's Structured Finance department. The role would be joining a solid team who have built a strong reputation in the industry. The bank have a strong track record of offering an excellent platform for Credit professionals to build an interesting and progressive career. The individual will be offered excellent learning, development and growth opportunities to work across a variety of sectors while being exposed to the whole lifecycle of a deal/transaction.

Our client is looking for:

  1. A candidates with a min. of 18 months - 4 years of credit analysis experience from either a corporate bank, ratings agency or accountancy firm (if Big 4 either Transaction Services or audit covering corporate banking)
  2. Core skill set of financial/cash flow modelling, understanding of accounting and financial statement analysis, credit understanding and good presentation skills
  3. Candidates don’t necessarily need Structured or Project Finance experience but would be ideal (they have a greater capability to train people and build up their skills and experience)
  4. Excellent stakeholder management and communication skills

Role Purpose:

  • The Structured Finance Credit team oversees a spectrum of credits including project finance, asset acquisition finance, lease finance and related derivatives.
  • Direct responsibility for: 1) assessing, challenging data / transaction material provided by the front office; 2) conducting appropriate credit and financial analysis; 3) preparing credit papers with recommendation for decision-making; 4) proactively monitoring obligors and industry sub-sectors within an assigned portfolio; 5) escalating deteriorating credits and other problem situations.
  • Maintain a supportive and collaborative relationship with front office and portfolio management teams on credit proposals relative to risk assessment and risk appetite considerations.

Responsibilities:

  • Exercise sound risk assessment discipline toward new transactions and management of a portfolio of structured finance assets (including problem assets), across sectors, geographies, and asset / product types.
  • Work with front office colleagues to ensure delivery to clients whilst maintaining high credit quality. Articulate Credit Department risk perception and appetite for a transaction in line with bank policy and procedures, manage the interaction and communication with front office teams, and attend meetings with clients, advisers and consultants where necessary, to gain a better understanding of the transaction &/or industry dynamics.
  • Experience and capability to take a transaction from inception to approval without significant supervision. 
  • Flexibility to work to tight deadlines under pressure (including ability to work outside of contracted hours from time to time / as workflow demands), to give prompt responses to customers.
  • Collaborate with other risk and compliance functions where appropriate to ensure enterprise wide view of risk is considered. 
  • Assist colleagues in the team, particularly in times of strong workflow / staff absences, by taking work to ensure it is fairly distributed.
  • Develop relationships within the team: seek guidance and advice from colleagues; express well-reasoned arguments and influence senior management; and assist in the training of front office staff, secondees and interns.
  • Willingness / flexibility to be involved in ad hoc projects supporting the strategy of Structured Credit team and the wider Department / Bank.

Skills and Experience Required:

  • Degree level education &/or relevant professional qualifications.
  • Meaningful experience gained in an analytical credit role within a major financial institution.
  • Good working knowledge of asset lending proposals is preferred encompassing appropriate risk factor identification, cash-flow analysis, stress-testing as well as familiarity with documentation and market trends.
  • High level of IT literacy, good communication and excellent written skills (required for preparing succinct and well-articulated credit papers) as well as sound interpersonal skills (supporting collaboration / teamwork).
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