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Credit Review Associate

London
1 month ago
Applications closed

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Job Title: Credit Review Associate
Location: London
Contract: (6 months)

About Us:
Our client, a leading player in the financial services industry, is seeking a skilled Credit Review Associate to join their dynamic team in London. This role is pivotal in supporting the bank's growing corporate loan portfolio by ensuring sound credit decisions that align with the bank's risk appetite and regulatory requirements.

Key Responsibilities:

analyse financial statements, including balance sheets, income statements, and cash flow statements to assess the financial health and creditworthiness of corporate clients.
Conduct qualitative and quantitative risk assessments, considering industry analysis, market conditions, and specific company risks.
Assign obligor gradings based on the bank's rating framework and submit for review and approval.
Regularly update obligor gradings in response to changes in client financial performance or market conditions.
Develop financial projections and perform stress testing to evaluate the impact of adverse conditions on creditworthiness.
Collaborate with relationship managers to structure credit facilities that meet client needs and adhere to the bank's risk appetite.
Prepare comprehensive credit applications, including recommendations on credit limits and terms.
Ensure timely and accurate maintenance of all credit-related documentation, adhering to internal policies and regulatory requirements.
Maintain detailed records for audit purposes and communicate changes in obligor gradings to relevant stakeholders.
Identify and implement process improvements to enhance credit analysis and approval workflows.
Participate in ad hoc project tasks as needed.

Qualifications & Skills:

Bachelor's degree in finance, accounting, economics, or a related field is preferred; professional certifications (e.g., CFA, CPA) are a plus.
Previous experience as a credit analyst or financial analyst, preferably in corporate banking or financial services.
Strong product knowledge in syndicated and bi-lateral loans, guarantees, derivatives, trade finance, and leasing.
Familiarity with legal documentation, including loan and bond agreements, ISDAs, and credit mitigating features.
Proficiency in Microsoft Excel for data analysis and financial projections.
Exceptional analytical thinking and problem-solving capabilities.
Detail-oriented with a focus on producing accurate credit applications and documentation.
Excellent verbal and written communication skills, capable of explaining complex financial concepts clearly.
Strong interpersonal skills, with the ability to engage effectively with stakeholders at all levels.
A self-starter who is proactive in managing credit tasks and improving processes.
Fluency in English is required; Japanese language skills are preferable but not mandatory.

Pontoon is an employment consultancy. We put expertise, energy, and enthusiasm into improving everyone's chance of being part of the workplace. We respect and appreciate people of all ethnicities, generations, religious beliefs, sexual orientations, gender identities, and more. We do this by showcasing their talents, skills, and unique experience in an inclusive environment that helps them thrive. If you require reasonable adjustments at any stage, please let us know and we will be happy to support you.

Adecco acts as an employment agency for permanent recruitment and an employment business for the supply of temporary workers. The Adecco Group UK & Ireland is an Equal Opportunities Employer.

By applying for this role your details will be submitted to Adecco. Our Candidate Privacy Information Statement explains how we will use your information - please copy and paste the following link in to your browser

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