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

00356008

SKILLS:

• 6 years of credit analysis and risk assessment skills in Financial Institutions Credit.
• In-dept knowledge of Fund Managers.
• Solid knowledge of derivative and lending products.
• 3 months secondment with Front Line team in 2016

CAREER HISTORY:

JANUARY 2016 – Present

Banking

Credit Analyst - Financial Institutions Credit- Alternative Funds

• Responsible for risk management of a portion of the Funds complex and technically demanding portfolio on an ongoing basis.
• Prepare independent credit reports for annual renewals, spotting emerging risks and recommending potential mitigants for approval of senior management and credit panels.
• Balancing risk and reward by working within the various CAPS (Sector, Brand, Gearing, Country Risk) while supporting new business origination and ad-hoc requests.
• Actively monitor and review counterparty limits, rating models, products (RCF, LC, Bridge, Gearing, Liquidity, Derivative, FX and Settlement), sensitivity scenarios and legal/documentation (ISDA,CSA).
• Managed end-to-end credit processes including covenants, risk triggers and credit policy exceptions challenging constructively when required, ensuring robust and high quality decision making.
• Compilation of sector reviews and portfolio deep-dives for PRA.
• Work closely with relationship managers and product specialist representing LBG in regular due diligence client meetings.
• Involvement in projects/workstreams to streamline credit and risk processes within FI.
• Support team ethos of supporting colleagues working under tight timescales.

FEBRUARY 2012 – DECEMBER 2015

Lead Analyst – Financial Institutions Credit – Portfolio Oversight and Analytic

• Provided FI credit MI, opinion and analysis regularly for FI Credit teams e.g. Insurance, Conduits, Real Money, Pension Funds, Asset Managers, Securitisation and Banks.
• Contributed to the production of annual/interim credit assessments for various counterparties across FI Credit Team for Banks, Building Societies, Asset Managers and Pension Funds.
• Produced country risk limit analysis for approval by senior management or risk committees.
• Managed a portfolio of UK building societies, actively monitoring and reviewing limits, ratings and products.
• Responsible for risk management for the portfolio on an ongoing basis via controls such as covenants monitoring and excess management.
• Produced succinct monthly FI Counterparty Credit Risk report and Monthly Management Report of
• Sovereign/Securitisation derivatives and lending exposures, highlighting underlying trends and key portfolio movements for senior managements.
• Worked closely with internal stakeholders in the credit risk workflow such as On-boarding team, Relationship Managers, CDD, Legal and Loans Admin.
• Deputy Team Leader and provided coaching to newer or less experienced members of team.

MARCH 2010 – JANUARY 2012

Credit Analyst– Financial Institutions Credit - Banks

• Managed and monitored a portfolio of UK/Ireland/Belgium & Netherlands clients and assuming the credit and risk process for these clients and documentation (ISDA, CSA, GMRA).
• Actively monitored and reviewed counterparty limits, rating models, products (RCF, LC, Repo, FX and Settlement) and sensitivity scenarios.
• Assessed balance sheet strength, alongside cashflow and profitability vulnerability via ratio analysis and/or stress testing.
• Proposed risk ratings enabling accurate credit risk assessment across the portfolio.
• Processed approvals internally, including attendance at Divisional Credit Committee Meetings to justify
• limits.
• Deliver end-to -end credit processes including covenants and credit policy exceptions monitoring. ensuring that decision making is of high quality and robust.
• Worked closely with Relationship teams and Treasury traders in representing LBG in diligence meetings with external customers.
• Investigated and resolved limit excesses.

SEPTEMBER 2007 – MARCH 2010

Relationship Manager – SME Banking

• Managed a portfolio of trading businesses with turnover up to £500,000 typically with an average debt of £50,000, servicing their needs and providing them with the Banks full range of financial and FSA regulated general insurance products.
• Reviewed acceptable asset quality in secured/unsecured lending, commercial loans, commercial and buy to let mortgages while adhering to Bank's credit policy.
• Reduced the risk exposure of the portfolio to achieve an acceptable loss ratio, striking a balance between risk, reward and compliance.
• Analysed Business Plans with Financial Accounts/Forecasts, comment on any key variances/trends and recommended a course of action in credit proposal.
• Played a key role in a high performing team to deliver portfolio KPIs, including growth & performance.
• Interacted with business intermediaries and professional bodies developing a network of relationships to secure business and convert new commercial proposals to bottom-line income.

CERTIFICATES:

• Fitch Learning: Regulated Funds and Fund Managers
• Fitch Learning: Advanced Bank Analysis
• Fitch Learning: Bank Analysis

EDUCATION:

B. Sc Banking and Finance, School of Economics and Political Science (2:2)

References Available Upon Request

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

To view other CV's please click here.