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Credit Officer

Graduate at Michael Page International

Credit Officer

Graduate at Michael Page International

  • LocationLondon, UK
  • Position levelGraduate
  • Job period iconPart-time employment
  • Application deadline iconPosted on 11 Sep, 2018
  • Start date iconStart date:
  • Visa iconVisa Sponsor
  • CompetitiveCompetitive
Maintain a Portfolio of Corporate client credit connections, including Problem asset credits.
Maintaining active focus on working with front office deal teams to ensure promise-keeping delivery to clients.
Client Details
Global Bank
Description
Description of Duties
* Portfolio of Corporate client credit connections, including Problem asset credits.
Maintaining active focus on working with front office deal teams to ensure promise-keeping delivery to clients.
* Proactively managing the interaction and communication with marketing officers, obtaining requisite information in order to complete the analysis, discuss and agree applicable conditions and instructions.
* Attend meetings with marketing officers, articulate CD risk perception and appetite for a transaction / counterparty in line with the bank's policies and procedures Assist other team members when less busy by taking work, particularly in times of strong work flow and absences, to ensure that the work is fairly distributed.
* Work collaboratively with other risk disciplines (market risk, operational risk, reputation risk) where appropriate to ensure enterprise wide view of risk is considered for a counterparty, portfolio, asset class etc.
Experience Required
* Experience in a credit management role within major international bank.
Experience of undertaking corporate credit analysis in a structured manner enabling clear identification and articulation of risk issues, and how these are mitigated.
* Experience of engaging with front office professional to manage credit transactions from inception to close.
* Providing appropriate challenge, under guidance, to front office on risk issues of a client / transaction, and developing suitable workable solutions.
* Evidence of the ability to work independently in order to manage actively transactions deadlines, with early escalation to senior management of material issues. Partnering with key stakeholders, and influencing senior management principally within the Credit Department and front office units.
* Preparation and / or analysis of appropriate forward looking projections to generate clear articulation of risk appetite.
* Experience of problem asset management or work outs would also be an advantage.
Strong working knowledge of corporate loan products, trade finance products, and derivative products including appropriate documentation and current market trends.
* Possible experience of a front office / marketing role and knowledge of key players in the corporate and trade finance market also is also an advantage.
Profile
Competencies and Skills
* Is available and responsive to customers and the team.
Reviews work carefully and thoroughly to ensure quality and meet deadlines.
Thinks flexibly and creatively to solve problems and is open to new approaches within their role.
* Openly collaborates with their immediate stakeholders in order to effectively implement changes to processes and operating procedures.
* Works with a sense of urgency, ensuring them and others on which they are dependent, complete their work within the deadline and to the right standard.
* Identifies and addresses the root cause of an issue and identifies the actions needed to resolve it.
* Follows agreed processes to ensure risks are identified, assessed, escalated and mitigated within the remit of their role.
* Honours commitments, is ethical, fair, consistent, open and honest gaining people's confidence and trust.
* Encourages cooperation and team-work among people who depend on each other to get the work done.
Specific Qualifications
* Degree level education or equivalent professional qualifications (eg: ACA, ACCA, ACT). Preference also for CFA qualification.
* Rating agency experience an advantage.
* Advanced level credit skills.
* High level of IT literacy.
* Strong written and verbal communication skills to support preparation of succinct, and focused credit papers.
* Strong interpersonal / teamwork skill
Personal Characteristics / Other Information
* While committing to the team objectives, demonstrate personal accountability for delivery of personal actions Highly disciplined person with ability to form and express well reasoned arguments and to influence senior management.
* Ability to seek and respond to guidance from CD colleagues in order to steer marketing staff in both new business development and to act as a credit gatekeeper detecting problem loans.
* Have a broad network of professional relationships within the financial / sponsor communities.
Possess and maintain up to date knowledge of key trends in the corporate and trade finance market.
* Flexibility to get involved in ad hoc projects and have an open mind and attitude for any problem solving and change Strong problem solving skills, combined with positive "can-do" attitude.
* Demonstrable ambition and clear desire to contribute to both personal and Bank's growth & development.
* Acts with highest standards of integrity and fairness to colleagues and clients.
Job Offer
Perm Role

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