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

00353279

PROFILE:

A driven Credit Risk Analyst with a reputation for achieving results. Numerous years of experience in the financial sector, blending attention to detail and extensive knowledge of credit risk in order to deliver analysis to high standards in line with business requirements. Embraces challenges whilst working collaboratively, with excellent interpersonal skills to maintain relationships alongside personnel of all levels. An effective problem solver who reacts to ambiguous situations in a rational manner. Possesses strong analytical acumen, capable of making inferences and drawing conclusions from quantitative and qualitative information.

SKILLS:

• Financial Institution (FI) / Bank Credit Analysis IDO / NGO / NBFI Credit Analysis
• Spreading of Financial Data
• Writing Financial / Non-Financial Commentary Communication at Credit Committee
• Credit Committee Minutes Sovereign / Country Risk Analysis
• Emerging Markets (EMEA / Asia Pacific / Latam) Credit Risk Researcher
• Policy / Procedure Documentation Risk Appetite & Tolerance Statement Credit Policy
• Credit Application Guidelines Data Monitoring & Reporting Credit Rating Agencies
• Internal Credit Rating Modelling Exposure Reporting
• Escalation of Excesses / Limit Breaches Spot FX / Forward FX
• Money Market / CD Exposure Nostro Balances
• Trade Finance / LC confirmations Second Line of Defence Challenge of Limit Proposals
• Capital Requirements / Risk Weighted Assets Concentration Risk (Sector & Geographical) IFRS 9 Reporting
• Team Leader / Mentoring New Joiners

CAREER HIGHLIGHTS:

• Promotion from Senior Credit Risk Analyst to AVP Credit Risk Analyst at Crown Agents Bank (CAB).
• Overseeing a quintupling of clients at CAB whilst maintaining adequate credit risk controls.
• Ensuring readiness for CAB to list on the London Stock Exchange from a second line perspective.
• Implementation of Internal Credit Risk Rating System for Counterparty and Sovereign Risk.
• Pass with Merit (92%) CISI – Introduction to Securities and Investment (Level 3 Qualification).
• Pass (84%) CISI – Risk in Financial Services (Level 3 Qualification).
• Completion of Fitch Learning – Emerging Market Bank Analysis Course.
• Successfully securing short-term / fixed-term contracts with a number of reputable institutions in London.
• Winner of the Dun & Bradstreet (D&B) Credit Analyst of the Year (Trans-Tasman).
• Distinction Pass of the D&B Credit and Financial Analysis Course.

CAREER HISTORY:

2015 – Present

Banking

AVP CREDIT RISK ANALYST

• Preparation of credit application forms (including financial and non-financial analysis) for new and existing clients, submitting and presenting completed applications to Credit Committee for approval highlighting key credit risks and mitigants. Analysis of FI’s using the CAMEL method.
• Portfolio includes the analysis of financial institutions, corporates, NBFI’s and NGO’s from developed and emerging (African/Caribbean/Asian) markets, for the approval of treasury (foreign exchange/money market/fixed rate bonds) and trade finance (letters of credit/trade loan) limits. Total portfolio of approved credit limits in excess of £2bn with exposure at any one time over
• £500m.
• Providing second line of defense oversight on credit risk metrics to the front office trading desk and relationship managers. In particular with regards to risk appetite tolerances and writing of procedures outlining delineation of responsibility between first and second line on credit risk mitigation.
• Secretary of the bank’s Credit Committee, preparation of relevant insightful information to the committee members to enable informed decision making. Coordination of agendas for weekly committee meetings, writing minutes and distribute following meetings and follow up on action points.
• Implementation of a new internal rating methodology for the bank’s clients. Placing clients into 10 rating bands based on creditworthiness and probability of default. Using Moody’s RiskCalc system for providing client PD’s (probability of default). Working with IT to create a new real time risk report for analysis of ECL (Expected Credit Loss) of client exposures for implementation of IFRS 9 reporting standards.
• Measure, monitor and report credit exposures/risk in line with internal risk appetite policies and regulatory rules. Report limit breaches and excesses to relevant department and senior management for approval. Creation of a Credit Risk Dashboard/Monthly Report to communicate relevant credit risk information to the Credit Committee and the business.
• Making use of Fitch, Moody’s and S&P rating agency research in the analysis of clients and monitoring of the portfolio for rating actions. Preparation of country risk reports including analysis of new prospective sovereigns detailing risks and mitigants of conducting business in new territories. Keeping up to date on country risk issues within client’s emerging markets.
• Acting as a point of contact in the business with regards to Credit Risk enquires. And training of new members of staff in financial analysis, internal systems and processes.
• Maintenance of digital credit files and documentation for the bank’s portfolio of clients. Maintaining the integrity of data within the bank’s Core Banking System (CBS) including approved limits, exposures, client ratings and country of risk for regulatory reporting purposes to the PRA.

Contractor in London (2006 - 2014) and Graduate Role in New Zealand (2004 - 2005):

2014

Banking: Credit & Market Risk Analyst

2012

Banking: Credit & Market Risk Analyst

2011

Marketing & Trading: Credit Analyst

2009 - 2011

Banking: Compliance / Credit Officer

2009

Banking: Credit Analyst

2008

Banking: Reporting Analyst

2006 - 2007

Banking: Credit Risk Administrator

2004 - 2005

Credit Analyst

Key Responsibilities / Duties:

• Analysis of counterparties credit worthiness in order to recommend appropriate credit limits and managing credit support (PCG’s) where necessary. Annual renewal and continuous monitoring of counterparty status through press releases and S&P/Moody’s/Fitch reviews.
• Presentation of risk analysis and opinions at meetings and committees, providing valid reasoning and judgement on all topics relevant to the proposal, including country risks and macroeconomic data. Furnished ongoing review and monitoring of a specific portion of the Bank’s credit portfolio.
• Maintain a keen interest and awareness of market trends in international business including key trends and the events in the UK and international credit markets.
• Maintenance of static data within the banks internal systems. Monitoring and management of the Bank’s credit and market risk exposures. Produce and present effective management information (MI) / ad-hoc requests.
• Monitor bank credit lines and maintain limits for the bank’s ceiling. Responsible for gathering credit data, checked for accuracy and completeness and formatted for use in the reports within specified timeframes.
• Analysis and reporting on risk monitoring activities. Validating data by using specified parameters for monthly movements and pivoting data by different dimension including rating (probability of default), sector, geography and division.

QUALIFICATIONS:

2021: Mental Health First Aid (MHFA) England

Qualified Mental Health First Aider

Chartered Institute of Securities & Investment (CISI) – London, England

2018: Introduction to Securities and Investment (Level 3) – Pass with Merit 92%

2016: Risk in Financial Services (Level 3) – Pass 84%

2001 – 2004: University

Bachelor of Commerce (B.Com.) – Economics & Accounting Academic Transcript - Available Upon Request

1996 – 2000: Grammar School

2000: University Entrance ‘A’ Bursary (equivalent to A Levels)

Accounting, Economics, Mathematics with Calculus, Mathematics with Statistics, Physics

1999: Sixth Form Certificate (equivalent to AS Levels)

Accounting – 1, Economics – 2, English – 4, Mathematics – 1, Physics – 1

1998: School Certificate (equivalent to GCSE)

Accounting – A, Chemistry – B, English – B, Japanese – A, Mathematics – A, Physics – A

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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