Credit Analyst - Larger Corporates - £100,000

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

00219486

CAREER HISTORY:

April 2024 - Present

Banking

Credit analyst, Credit Risk Department

  • Responsible of managing the Large Corporate portfolio of c. 22 clients across various sectors; temporarily covering the Commercial Real Estate sector with a loan book of c. £1bn, ranging across offices, retail shopping centres, logistics/warehousing, hotels, and student accommodation as well as assisting in establishment of credit policy

November 2022 - April 2024

Banking

Credit analyst, Corporate Credit Department

  • Manage a portfolio of large corporate clients to review and recommend various committed and uncommitted lending. Main industries covered: Aerospace & Defence, Transportation, Business Services
  • Undertaking fundamental analysis of borrowers to assess creditworthiness and succinctly articulate the key risks
  • Collaborating with Front Office deal teams to ensure delivery to clients whilst managing high credit quality by providing appropriate challenge on risk issues/ developing workable solutions to mitigate risk issues
  • Continuously motioning including emerging credit developments, controlling credit exposure and to identify situations that may increase risk to the bank

April 2021 - November 2022

Banking

Credit analyst/ Relationship Manager, Corporate Banking

  • Working with senior RMs to develop a lasting and a profitable relationship with its existing clients and be proactive in the identification and development of new opportunities or new clients, while ensuring the risk/return of the bank target is in compliance
  • Conduct initial credit assessments of new business proposals covering corporate, leverage, project finance transactions in various industries including O&G, Construction, Renewable Energy and Financial Institutions
  • Perform annual credit review and bi-annual review as well as regular monitoring on the existing portfolio

October 2017 - April 2021

Banking

Associate, International Acquisition Finance

  • Conduct credit rating assessments through thorough financial statement analysis, discount cashflow model, qualitative adjustments and various scenario simulations for new deals, annual reviews and special rating reviews
  • Prepare credit applications for renewals, amendment requests and various waivers whilst ensuring KYC compliant
  • Portfolio monitoring including monthly/ quarterly performance vs Prior Year, Budget and Base Case - giving early advise of any risk concerns to senior stakeholders
  • Portfolio monitoring and post lending management including covenant checklist, credit watch list, and self- assessment for portfolios being triggered by credit warning criteria

May 2015 - September 2017

Banking

Associate, European Corporate Finance

  • Annual credit rating analysis for Investment-Grade clients
  • Credit limit and maturity control as well as documentation and transaction bookings
  • Credit coordination within EMEA; Assisting the global directors to manage the deposit business in EMEA region

March 2014 - April 2015

Banking

Analyst, Credit Middle Office

  • Responsible of syndication loan booking and settlement related matter
  • Bond/IRS rate monitoring and reporting as well as regulatory reporting in related to Mortgage Lending

March 2012 - March 2014

Non-Finance Job

Sales Account Manager at FSP GB Ltd

EDUCATION:

2008 – 2010: University

MA, Applied Linguistics 2008-2010

2002 - 2007: University

BA, Chinese Literature

QUALIFICATIONS:

  • CFA Charterholder, CFA Institute; Certificate in ESG Investing, CFA Institute
  • Financial Risk Management (FRM) Part I & Part II, GARP

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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