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

00304255

PROFILE:

A dedicated and delivery-focussed FI Credit Analyst with strong evaluation and analytical skills. Familiar with loan documentation and loans administration. Extensive experience in Credit Risk Management gained in the German and English banking sector, most recently for a global corporate bank. An accomplished, bilingual (German and English) communicator who possesses strong investigation, problem-solving and decision-making skills.

CAREER HISTORY:

2011 - 2018

Banking

2013 - 2018

Credit Analyst, Financial Institutions (Associate Director)

Global Trade Finance Department

• Supporting sales colleagues by arranging the provision of trade lines in time
• Preparing credit application for establishing or increasing trade lines for financial institutions mainly in EMEA region
• Analysing annual reports, external rating reports, press and Bloomberg information in order to evaluate a bank.

-financial situation: profitability, asset quality, capital adequacy and liquidity

-non-financial situation: operating environment, relationship with government, franchise and management style

• Using “SNL” to obtain and evaluate financial data and peer group analysis.
• Portfolio monitoring and where required, implement action plans as agreed with Credit and Sales colleagues.
• Processing the annual review

2011 - 2013

Administrator Loans Administration, Facilities Administration

• Administration of bilateral and syndicated facilities
• Ensuring that credit application is correctly registered to the bank`s systems.
• Recording and controlling of facility documentation in an accurate and timely manner
• Documentation completeness review / cyclical reviews
• Management reporting of incomplete items, limit breaches
• Authorising transactions on ACBS and GBASE for the London office

May 2012 – July 2012

European Centralisation – Duesseldorf project team

• Operations was to be transferred from Duesseldorf to London; l became main contact person for the facility administration team. First l went to Dusseldorf to get to know the colleagues, facilities and the new Midas+ system. l had to ensure that all processes were accurately documented and tested. Transfer of knowledge to London colleagues was smooth, successful and on time.

1999 - 2011

Banking

2010 – 2011

Wholesale Banking

Senior Credit Risk Manager

Documentation check:

• Checking and negotiating term sheets and LMA based syndicated and bilateral facility agreements with financial institutions, corporate and sovereigns.
• Preparing the application for the decision makers (up to board level), describing, evaluating and making recommendations on documentation risks

2007 – 2010

Wholesale Banking

Senior Risk Manager

• Checking and negotiating LMA based syndicated and bilateral facility agreements until documentation was satisfactory and ready to be signed, arranging and executing the signing process – all under tight deadlines.
• Dealing with waiver and amendment requests and following the identification and evaluation of negative effects on the lenders, recommending to agree or to decline
• Keeping the loan portfolio under review/ monitoring financial covenants
• Drafting and negotiating when a business partner appeared fairly unexperienced with the procedure, l took control and guided the counterpart through the closing process until disbursement.
• Attending Banks` and Corporate` presentations as well as loan signing ceremonies
• Checking documentation for trade finance related transactions including Bills of Exchange and Promissory Notes; here I was once told that my exact working method, in this specific case strictly following the rules and insisting by email to the customer for proof of his identification, had significantly improved chances to win the case of fraud in court

2005 – 2007

Wholesale Banking

Risk Manager

Credit Risk Analysis for banks.

• Preparing the annual review and credit analysis using “Bankscope” for the automatic calculation of a bank’s financial key ratios like NPL and Cost Income
• Creating credit rating
• Controlling limits

Documentation check:

• Checking and negotiating LMA based syndicated and bilateral facility agreements with counterparties.
• Preparing the application for the decision makers (up to the board), describing, evaluating and making recommendations on documentation risks

2001 – 2005

Wholesale Banking

Credit Administration Executive

• Administration of bilateral and syndicated multi-currency customer loans up to USD 500m in an accurate and timely manner

1999 – 2001

Retail Banking

Bank Clerk

• General retail customer service

TECHNICAL SKILLS:

• Microsoft Office, Lotus Notes, ACBS, MIDAS+

LANGUAGES:

• German (native), English (fluent)

EDUCATION:

2002 – 2006: University of Applied Science

Business Management Studies

• Degree: Diploma (FH) (equivalent to 4yr BA course)

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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