Credit Analyst
£40000 - £45000 + bonus + benefits
City, London | Hybrid – 4 days in office
A well-established banking client is seeking an Assistant Manager – Credit to join their City office on a hybrid basis.
The Role
This is a hands-on credit appraisal role supporting corporate lending activity, with responsibility for:
* Analysing credit proposals.
* Timely completion of reviews/renewals as Appraiser, including obtaining risk sign off from the Risk Department.
* Conducting due diligence including ensuring compliance with KYC norms.
* Obtain and verify the World Check reports of the borrower / legal & valuation reports of properties offered as Primary/Collateral securities.
* Supporting renewals and reviews,
* Assisting with ongoing credit monitoring.
* Preparation of Sanction letter and ensure that all the Terms & Conditions of sanction have been incorporated therein.
* Periodic review of Financial Statements/Compliance Certificate/Other relevant document for ongoing credit monitoring.
* Rectifying irregularities pertaining to pre-sanction pointed out in various Audit reports.#
* Attending to the credit related correspondence with internal and external agencies.
* Maintenance of proper credit related MIS including loan master file maintenance, LGD, etc.
* Any other job/task relating to dispensation or administration of credit or any other specific task of any nature arising out of business or administrative necessities.
Key requirements:
* At least 3 years’ experience in Credit analysis and appraisal experience in corporate lending
* Strong experience in the appraisal and assessment of credit proposals for medium to large corporates.
* Strong due diligence, KYC, and proposal assessment background.
* Experience with reviews, renewals, and post-sanction monitoring.
* Excellent attention to detail and stakeholder communication skills.
* Relevant qualification such as MBA (Finance), PGDBA, PGDBM, CA, CFA or ICWA, or equivalent.
This is an excellent opportunity for a credit professional looking to join a respected banking environment with broad exposure across the full credit lifecycle.