Credit Analyst - London, United Kingdom - eFinancialCareers

eFinancialCareers
eFinancialCareers
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London, United Kingdom

3 weeks ago

Tom O´Connor

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Tom O´Connor

beBee Recruiter
Description
**Credit Analyst - Underwriter - Banking
Excellent opportunity opens in a large
Retail Bank for a
Credit Underwriter to join the team A typical day in the life will entail:

  • Work closely with
    Branch/Relationship managers, Risk Management and other key partners in identifying, structuring, analysing, negotiating, documenting, delivering and monitoring credit solutions in addition to the retentionof facilities in the existing credit book.
  • Responsible for underwriting BTL/Commercial loans and preparing presentations
  • Completes annual reviews, modifications, extensions, renewals, and new loan requests for customers with mínimal required changes from the credit approvers
  • Continuous focus on ongoing process improvement to improve efficiencies and ability to compete and win vs our competitors. Implementation of streamlining, automation or otherwise improve existing processes and practices.
Particular focus on speed andquality of decision making in credit underwriting process.

  • Ensure effective collaboration between teams including Branch/Relationship managers and Risk Management.
  • Management of risk, pricing of transactions and profitability of credit book within geographical target parameters.
  • Able to demonstrate good knowledge of filing system
  • Provide reports on portfolio, identify and recommend risk mitigation actions through ongoing surveillance of portfolio.
  • Identify and implement opportunities for improved business operations, partnerships and client satisfaction. Ensure continued alignment of the credit portfolio with risk strategies and risk policies and procedures. Frequently involved in working with otherteams within the business to help grow the credit book.
  • Strong "outside the box" thinker and attention to details who can work with clients and Branch/Relationship Managers to structure optimum credit solutions within risk appetite and lending parameters. Work with other members of the credit team to help structuretransactions and ensure that credit facilities are underwritten to a high standard.
  • Responsible for all internal credit correspondence originated by their team, including transactions, the ongoing risk analysis of the borrower and the transaction, customer rating assessment and recommendation. Work with internal partners to implement controlsand meet monitoring conditions.
  • Demonstrate a good credit underwriting knowledge

Experience and skill set required:

  • Minimum of
    25 years credit experience ideal
:


  • Sound knowledge of general banking, relevant regulatory requirements, the Banking Act and Code of Practice.
  • Sound credit judgement.
  • A responsible, enthusiastic, selfmotivated and flexible approach to work
  • A demonstrable ability to work carefully and accurately at all times.
  • Knowledge and understanding of relevant risk, compliance and audit standards.
  • Excellent Microsoft Office Skills
  • Advanced Excel skill, ideally VBA knowledge
  • Good data analysis skills
  • Microsoft Power BI knowledge
Credit Underwriter Bank Banking Finance Financial
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