Credit Risk Analyst (Private Banking)

Credit Risk Analyst/ Senior Credit Risk Analyst 12 month Fixed Term Contract Our Client is a globally recognised, successful bank who provide world-class services to various institutions and individuals. Offering a comprehensive range of retail and corporate financial services/products, this thriving business boasts over 10 million active customers in over 700 business locations. Due to business requirements, we are now looking to acquire the services of an experienced Credit Risk Analyst/Senor Credit Risk Analyst. Please note that this is a hybrid role with 3 days in the office and 2 days working from home

Key Responsibilities: The purpose of the role is to support the implementation of various activities of the Credit Risk Department, primarily credit assessment and full account management responsibility for the Portfolio files that the Head of Credit Risk may assign / allocate to you from time to time. E xperience in the financing of Mortgages & Wealth Management for UK Buy to Let Residents as well as the laws guiding this within the UK regulatory landscape, and familiarity with credit decisioning methodologies within this space will be an added advantage. Credit Applications Process credit applications (including Moody’s RiskCalc financial spreads for FIs and Corporates – as applicable) and make recommendations, highlighting all risk issues pertinent to the credit decision. Justify credit decisions, both verbally and in writing Give initial feedback on prospective and existing customer requests to Account Relationship Managers Give constructive feedback on the work produced by fellow Credit Analysis team members Ensure quick turnaround of credit requests and ensure the Credit Application Status Log is updated daily Credit Research Undertake detailed credit research into countries, industry/sectors, individual borrowers/counterparties in your portfolio using financial and non-financial sources Participate in customer due diligence site visits, calls, and meetings. Prepare call reports for each visit/call/meeting within one week of the event. Risk Committees Prepare for and attend Risk Committee meetings as appropriate Display knowledge/understanding of the portfolio Prepare in a timely manner, reports/memos, minutes, meeting/visit/call notes for all submissions under your responsibility or as directed by the Head of Credit Analysis Credit Portfolios Develop and maintain a sound 360 degree understanding of your client portfolio Monitor the risk of client portfolios to ensure they stay within agreed parameters of the Credit Policy and the Risk Appetite Statement. Compliance and Audit Readiness Contribute to the Credit Analysis Department’s compliance and audit readiness by making sure that: All customer and internal correspondence are of the highest quality

Key Skills/Experience: Previous credit risk analysis experience gained within a banking environment. A proven ability in Credit Risk identification and control Experience with transaction structuring and financial/cash flow modelling Exposure to frontier and emerging markets, preferably Africa, would be an added advantage In return we offer a fantastic benefits package including: Up to 10% employer pension contribution Life Assurance Cover Income protection Private Medical Insurance plan (upon successful completion of probation period) Contribution to glasses/contacts and eye testing Gym subsidy (up to £50 per month) Cycle to work scheme Employee Assistance Program Interest Free season ticket loan for travel Birthday Leave 25 days annual leave, rising to 28 after 3 years and 30 after 8 years’ service Give As You Earn (GAYE) The Curve Group is a dynamic Recruitment Services and Human Resources business with a mission to transform the working lives of the people and organisations we work with. We will retain your data for two years from the last point of contact, after which it will be securely deleted. You can view our full Privacy Policy here: