JOB DESCRIPTION:

Job Title: Credit Risk Analyst/Associate - Insurance & Diversified Financials
Corporate Title: Analyst or Associate
Location: London

INTRODUCTION / OVERVIEW ROLE DESCRIPTION:

• This role sits within the Financial Institutions (FI) Credit team of Global Corporate and Investment Banking (GCIB) Credit, which is responsible for analysis and delivering credit underwriting debt financing solutions and derivative strategies in Europe, Middle East and Africa (EMEA). The FI team (Banks + Non-Bank FI) covers Bank, Sovereign, Supranational and Broker-Dealer, Insurance and Asset Management client segments in region
• The role will capture all aspects of effective credit management for Bank, Sovereign, Supranational and Broker-Dealer client segments, including ownership of accurate internal risk ratings, credit exposure monitoring within established limit, tenor and documentation parameters, together with risk assessment, transaction structuring and deal execution.
• This is a high-volume and fast-moving portfolio that utilises a risk-based approach to drive revenue while maintaining appropriate credit risk disciplines to balance risk, productivity, and maximising efficiency.
• Partnering with teams globally, including Corporate and Investment Banking, Sales & Trading, and Global Product Solutions to drive revenue growth while maintaining appropriate risk discipline specific to the FI credit portfolio. The team also engages closely with, but independently of Risk partners, Legal, Operations, Compliance and other areas of the Bank.

RESPONSIBILITIES:

• Perform financial and credit analysis, ensuring adherence to prevailing credit policy and procedures.
• Monitor and manage all elements of the bank credit exposure to its clients across its international network, including reassessing internally assigned risk ratings over the client’s credit life cycle.
• Develop and maintain a deep understanding of the product spectrum and the portfolio at the client, industry, and macro level to assess risk and craft value added solutions that balance risk.
• Associates participate in the structuring, underwriting and documentation of credit facilities designed to meet both client and investor needs as well as balance the banks internal risk/return requirements.
• Assess the credit worthiness, perform intensive qualitative and quantitative due diligence on industry and company factors and establish appropriate terms and conditions to mitigate risk.
• Develop, maintain, and manage internal relationships with business partners including Corporate and Investment Bankers, Sales & Trading, Risk Management, Syndications, and Legal.
• Research, write and present financial and industry analyses in support of company specific and portfolio level decisions.
• Participate in strategic projects to support business goals.