Overview

Your New Job Title: Senior Credit Analyst (NBFI) - Banking

Start: ASAP • Hybrid 1 day at home • Perm

Report to: Head of Credit Risk Department

What's essential: English fluent, extensive credit analyst experience within NBFI-banking.

Salary: Competitive Depending on experience

Company People First is committed to increasing diversity and maintaining an inclusive workplace culture. We welcome applications from all qualified candidates regardless of ethnicity, race, gender, religious beliefs, sexual orientation, age, marital status or whether or not they have a disability. People First (Recruitment) Limited acts as an employment agency for permanent and fixed term contract recruitment and as an employment business for the supply of temporary workers. By applying for this job you accept our Terms of Use and Privacy Policy which can be found on our website.

Responsibilities

• Provide credit evaluation reports for various credit products, including an overview of transactions, financial and non-financial risk analysis, key risks identified, associated mitigations (if any), and credit recommendations (including suggested credit enhancements and management conditions).
• Assist with the implementation of credit risk appetite, credit policies and procedures, and management processes once established. Ensure credit transactions comply with credit policies.
• Focus on NBFI business and may cover other sectors based on proposals from Front Office.
• Provide challenges and guidance to Front Office proposals; Draft and present credit opinions to the Credit Committee with an objective and independent view, in accordance with Bank policies. Achieve timely turnaround of credit proposals and reviews.
• Provide the Head of CRD and DGM (Credit) as well as the Credit Committee with professional risk analysis and appropriate risk mitigation measures in a timely manner.
• Conduct post-lending management: monitor credit ceilings and exposures, monitor borrower financial performance against market/industry dynamics, and ensure conditions are met throughout the loan life.
• Perform credit reviews and research for all new proposals and annually for existing customers.
• Proactively monitor industry and sector trends and counterparty risks for early warning signals.

Qualifications & Skills

• Minimum 8-10 years of experience in credit review within the NBFI sector.
• In-depth knowledge of risks and mitigations across industries, countries, and client types; strong financial analysis, projections, and stress testing skills.
• Exceptional analytical, negotiation, and problem-solving abilities with a positive, can-do attitude.
• Collaborative yet able to work independently and complete tasks.

Additional Information

Please follow us on LinkedIn: We would be grateful if you could send your CV as a Word document. If your application is successful, you will be contacted within 7 days. We cannot provide feedback on individual CVs due to high application volumes. We can only consider candidates eligible to work in the UK with relevant supporting documentation.

People First is committed to an inclusive workplace. We welcome applications from all qualified candidates regardless of ethnicity, race, gender, religious beliefs, sexual orientation, age, marital status or disability.

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