If you are interested in this candidate, please contact Simon Blau via email sblau@cerfinancial.co.uk or call on 0207 626 6065.

00053998

PROFILE:

• Passed CFA Level II
• MSc Financial Management degree holder.
• Holder of Institute of Financial Services Credit Skills qualification – advanced and commercial level
• Experience with Syndicated transactions and complex LMA documentation
• Able to work in a multicultural environment and build effective working relations with clients and colleagues globally

CAREER HISTORY:

July 2023 – Present

Banking

Credit Officer - Credit Department LOD2

• Responsible for credit analysis of UK investment and non-investment grade corporate entities.
• Review of ratings and credit requests, Presentation of credit papers for approval to senior management
• Industries – Food, Drink & Leisure (pubs, online travel companies, cruise operators)
• Products: loans, revolving lines, guarantee lines, treasury-related derivatives, vehicle leasing, clearing banking lines, cards, overdrafts, cash pooling

July 2023 – Present

Banking

Senior Credit Analyst – Credit Risk Department LOD2

• Responsible for waiver, annual review and new business credit analysis of general corporate and Project Finance counterparties
• Review of ratings and credit requests, Presentation of credit papers for approval to Credit Committee
• Corporates – REIT, Commodities
• Project Finance – Smart Metering, Ports, Wind Farms, Telecoms

February 2022 - September 2022

Banking

Director - Europe Credit Department LOD2

• Responsible for credit analysis of investment and non-investment grade corporate entities. UK and international corporates, Leveraged Finance deals, Collateralised Loan Obligations
• Review of ratings and credit requests, Presentation of credit papers for approval to senior management
• Liaison with front office teams across EMEA
• Industries - Transport (ports, airlines, airports, shipping, tolls), Construction

May 2011- February 2022

Banking

Vice President - Credit Analyst LOD1

• Responsible for credit analysis of largely investment grade corporate entities. UK corporates, UK subsidiaries of overseas companies, high yield emerging market subsidiaries of UK companies. Also providing coverage over a number of Nordic investment grade entities.
• Analysis of financial information (historic and projected) and supplemental documentation to support lending decision-making and recommendation of credit requests and counterparty opinions
• Financial modelling, forecasting, sensitivity, and ratio analysis to assess credit risk
• Discussion with internal corporate legal team pertaining to transaction structure and potential legal issues.
• Industries covered to date: Utilities (water incl whole business securitisation, gas/electric/wind); Airports, Support Services, Transport, Luxury Goods, Retail, Healthcare, Automotive, Packaging, Tobacco, Aircraft Leasing, Energy - Oil & Gas, Renewables, Airlines
• Company research and peer group analysis. Formulating a view on counterparties to enable assigning and review of credit ratings. Familiarity with external rating agency methodology. Recommending terms for loan documentation and ISDA/CSAs/GMRAs. Liaison across Europe, Asia, Russia, Brazil and US with risk departments, front and back offices, and senior management.
• Products: FX, interest rate, inflation & commodity derivatives. Syndicated and Bilateral Debt. Bonds & Guarantees. Sales finance/asset finance. Repos. Commercial paper. Proprietary trading limits (bonds). Margin finance

March 2008-May 2011

Banking

Credit Manager

• Originated credit reports in order to structure and analyse credit facilities
• Calculated risk grades and Loss Given Default figures utilizing internal and external models – KMV, Risk Calc
• Monitoring of the exposure for assigned clients and ensuring compliance with all terms and conditions
• Experience of syndicated transactions – UK & US.
• Documentation experience– ISDA, credit support annexe, security and facility documentation(LMA)
• Attended client meetings, Provided technical advice to Coverage teams
• Adhered to compliance and risk controls in accordance with the banks and regulatory standards
• Worked with the distressed customer team regarding customers facing financial difficulty
• Product areas – debt, rcf, invoice discounting, fx, bonding, derivatives

October 2004 - March 2008

Research Manager

• Authoring analytical research to assist in guiding policy, strategy and medium term planning.
• Sourcing, collation, manipulation and analysis of management information utilising industry standard database query tools.
• Ad hoc research and analysis to support individual business cases, resource allocation decisions and strategic reorganisation.
• Company, industry, competitor and market analysis.
• Supporting business development efforts, proactively using research to identify new opportunities for Barclays Corporate banking.
• Helping Barclays understand markets and companies and identifying ways in which we can help clients become high-performance businesses.
• Industries covered – Transport and Logistics, Healthcare, Business Services

December 2003 - September 2004

Graduate Trainee

• Rotated through various departments to gain oversight of corporate banking – Business Development, KYC new client acceptance, servicing, securities, international trade, credit analysis tools, relationship management. Project managed customer migration to self serve channels.

May 2003 - December 2003

Banking

Compliance Manager

• New client acceptance for Personal Clients, Corporates, Charities, Trusts, Investment vehicles.
• Collation of legal documentation to adhere to FSA regulations i.e. certificates of incorporation, annual returns, trust deeds.
• AML (Anti Money Laundering) account research and review.
• Research and investigation to corroborate financial standing and legitimacy using Dunn & Bradstreet, Lexis Nexis, Complinet and Worldcheck databases.
• Implementation of compliance policy as it relates to Know Your Client (KYC), anti-money laundering regulations, Sanctions (OFAC) and other related policies.
• Provision of advice and guidance to private bankers on compliance procedure.
• Review and analysis of complex legal documentation.

October 2002 – March 2003

Working holiday

CPM Ltd

Cold called to sell the AMEX Gold Business Card to prospective clients.

Telephony

Received inbound and made outbound calls to sell various media products.

January 2002 – October 2002

Banking

December 2001 – October 2002

Relationship Executive

• Supported four relationship managers in provision of a premier banking service to a portfolio of high net worth clients to include accounts, fixed deposits, mortgages, lending and investment advice.
• Provided advice on UK tax structure and its banking implications.
• Set up offshore capital and income account structures to minimize UK res non dom clients’ tax liabilities.

July 2001-December 2001

Compliance Administrator

January 2001-June 2001

Business Support Administrator

TECHNICAL SKILLS:

• Bloomberg, Thomson One, S&P Capital IQ, Powerpoint, Excel (macros, scenario analysis, problem solver, pivot tables)

EDUCATION:

1999-200: University

MSc. Financial Management

• Key Subjects: Corporate Finance, Swaps, Derivatives, Equities, Fixed Income Instruments, Financial Management, Risk Management, Financial Modelling, Portfolio Management.

1995-1999: University

External Degree: BSc. (Hons) Management & Economics

• Key Subjects: Financial Management, Accounting and Finance, Management Accounting, Quantitative Methods, Managerial Economics, Marketing, Economics.

1992-1995

A Levels : Accounting (B), Economics (B).

1989 – 1992

O Levels: Physics (A), Biology (A), Chemistry (B), Mathematics (B), English Language (B), English Literature (B), Accounting (B).

If you are interested in this candidate, please contact Simon Blau via email sblau@cerfinancial.co.uk or call on 0207 626 6065.

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