Senior Credit Analyst
Join our global bank as a Senior Credit Analyst, reporting to the Head of Credit. Collaborate with Relationship Managers to manage lending risks associated with an assigned client base.
The client portfolio primarily consists of large corporates in the Food and Agribusiness sector.
Responsibilities:
* Credit Risk Management:
o Produce detailed projections, including base case and downside scenarios.
o Demonstrate expertise in accounting principles, especially cash flows.
o Draft clear, concise credit applications.
o Monitor macroeconomic conditions and assess their impact on the client portfolio.
o Identify and mitigate structural risks effectively.
o Work with capital and return calculations using internal systems.
o Analyze and test covenants.
o Conduct financial covenant checks, collateral reviews, and annual credit reviews.
o Address deteriorating customer risk profiles according to policy.
o Review legal documentation for compliance with credit approvals.
o Maintain accurate records and attention to detail.
o Understand risks related to sustainability, operations, and KYC requirements.
o Provide mentorship to junior team members.
* Client Engagement:
o Collaborate with Relationship Managers to identify client needs.
o Assess and price risk for new and existing relationships.
o Respond promptly to urgent client requests.
o Participate in customer meetings and client visits.
* Networking and Communication:
o Engage effectively with stakeholders, including Relationship Managers and credit admin.
o Maintain strong connections with internal risk functions and regional risk teams.
Requirements:
* A third-level degree or equivalent experience.
* 3-5 years of experience as a Senior Credit Analyst, preferably in Banking or Corporate Banking.
* Proficiency in Teams, Word, Excel, PowerPoint, and Outlook.
* Fluent English (written and verbal).
Technical Competencies:
* Proficient in producing focused credit applications.
* Deep understanding of accounting principles and cash flow statements.
* Experienced with LMA legal documentation.
* Skilled in identifying warning signs of deteriorating credit profiles.
* Knowledge of ECB leveraged lending definitions and banking products, including derivatives.
* Familiarity with credit approval processes and audit functions.