Credit Analyst SME/Assistant to Director

Rebecca Poulter Recruitment Limited
United Kingdom
75 - 85000
31 Oct 2017
16 Nov 2017
Contract Type
Full Time
We are looking to recruit a competent and experienced Credit Analyst to join the bank on a years contract, you need to have a proven track record in Credit Analysis and decision making.

Demonstrable first-hand experience in supervisory role within credit function

Extensive experience in production/approval of facility/collateral documentation, some first-hand experience with legal recovery processes

Previous exposure to bank counterparty analysis and treasury documentation

Working knowledge of typical UK commercial residential property lending, banking, credit and operational systems

The Credit department has the responsibility for the approval, control and administration of all client and bank counterparty credit risk.

To perform the following functions, either with primary responsibility or as designated functional cover

You will be the deputy to Head of Credit, voting member of Credit Committee policy, procedures and special projects.

Analysis of complex credit proposals, documentation & drawdown approval, Internal MI and regulatory reporting

Credit Analysis to include assistance in deal structuring, analysis Credit Committee applications, Fund/portfolio analysis and LTV proposals

Annual strategy reviews, voting member of Credit Committee and credit meetings.

Dealing with Credit approvals, approval delegated authority applications, approving excess requests

Authorising loans, reviewing valuations £10m, approving use of non-panel solicitors

Documentation checking prior to issue, drawdown authorisation, review and approve further drawdowns, collateral final sign-off, guarantee wording approval

Arrears & Recoveries, analysis of watchlist applications, production of quarterly watchlist cases

Liaison with the group legal team.

Counterparty/Country - New/amend counterparty limit applications, annual counterparty limit reviews, new and amend country limit applications

Annual country limit reviews, group liaison & MI, Bank counterparty excess list

Bank overrides in Globus queue, nostro position monitoring, over £15m Globus authorisation

Policy & Procedures, review/maintenance of credit procedures, annual review of credit policies

Ongoing maintenance of policy manual, Implementation of regulatory change e.g. MMR/MCD

Implementation of Group led policies e.g. ETP/Credit Grading, maintenance of Regulated Mortgage policy

Monitoring changes in regulatory environment, property revaluation diary (Basel 11)

MI & Reporting, monthly ManCo report, submission of quarterly MLAR return via Gabriel

Quarterly RiskCo report, large exposures report, quarterly papers for Board, chestnut Investor report

Quarterly Chestnut Rating Agencies loan book data, six-monthly PRA loan book return

Annual property sensitivity report, off patch property review

Administrative, disaster recovery, team mentoring, credit induction training

Staff appraisals, overview the banks credit process