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Credit Risk Analyst

Credit Risk Analyst

Analyst - Credit Risk // Risk Management // Banking // Isle of Man                                        
               
Job Purpose                      
To provide specialised risk management support to the Head of Credit Risk for the implementation of the Credit Risk Framework (covering strategy, policy, process, procedural, standards, objectives, metrics, and governance). This job primarily focuses on approval, documentation preparation, drawdown and monitoring processes.

Key Responsibilities/Accountabilities include, but are not limited to:      
• Contribute by supporting the Head with the development, maintenance and implementation of the Credit Risk Framework covering strategy, policy, process, procedural, standards, objectives, metrics and governance.
• Objectively assess and evaluate credit applications exercising commercial and responsive decision making under approved Delegated Authority or making a recommendation to the Credit Committee.
• Review Corporate and Investment Banking (CIB) credit papers to ensure the financial analysis adequately reflects the counterparty credit risks and are within WIN Credit Risk Appetite.
• Make a recommendation to Credit Committee.
• Draft and check preparation of facility/security documentation following approval. Check that all approved conditions are met, and that the documentation is complete. This includes liaising with Legal where required.
• Control loan funds leaving the bank, by reviewing and confirming that all condition precedents are met, and that security is perfected before approving the drawdown checklist and limit form.
                                               
Preferred Qualification and Experience                
• Credit Experience in a banking environment at a manager level.
• Analysis and presentation of MI (Management Information) and reporting on portfolio credit risk.
• Thorough conceptual and practical knowledge of credit procedures, policies and standards. Ability to understand products and facilities that give rise to counterparty credit risk and appropriately documenting these risks.
• Understanding of Risk and broader regulatory and compliance requirements.
• Basic understanding of vanilla lending and derivative products and facilities that give rise to counterparty credit risks, including the documentation required/presented to manage that risk.
• Understanding of Corporate and Investment Banking.
                             
               
Analyst - Credit Risk // Risk Management // Banking // Isle of Man


£Negotiate

If this sounds of interest please send in an updated copy of your CV to : [email protected]
I will look forward to hearing from you!

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