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Credit Analyst - Bilateral Credit

Employer
BLUSPEC RECRUITMENT LIMITED
Location
London, UK
Salary
Competitive
Closing date
Jul 18, 2019

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Job Role
Credit Control
Sector
Finance
Contract Type
Permanent
Hours
Full Time
We are looking for Credit Analyst - Bilateral Credit for one of our Clients to join their growing team in their main branch in Central London.Our client is an International Public Sector banking and financial services company. JOB ROLE To contain the Bank's exposure to bad debt by analysing the creditworthiness of prospective new and existing customers through adherence to monitoring and control systems, and policies and procedures as stipulated by the bank. JOB RESPONSIBILITY Responsible to scout for new business proposals by liasoning with Banks/FIs and meeting potential clients looking for business oppurtunities Responsible for the preparation of Credit proposals for presentation to various Credit Committees including preparation and approval of Credit Monitoring Arrangements (CMA) and Credit Risk Assessments (CRA). Responsible for Financial/Credit analysis for bilateral credit transactions, analysis of companies' balance sheets, and discussing types and adequacy of securities to be provided for facilities. Is required to maintain constant contact with credit administration team regarding the operation of individual accounts. Is required to identify SMA and prepare periodic reports of SMA and stressed accounts. Is responsible for restructuring/rescheduling and write-off of accounts in case of need. Responsible for pertinent documentation until execution stage, arranging for signing of documents, and periodic review and renewal of facilities. Is responsible for providing clients with information and data required for the structuring of deposit and property secured facilities. Responsible for the preparation of all pertinent documents and correspondence regarding the approval of facilities. Is required to provide due dates of term loans instalments to the Credit Administration department. Is required to attend to Inspection and Audit reports and to interact with statutory auditors. Is expected to handle all routine matters in the department in the absence of other personnel. Competency Ideal candidate will have at least 3 to 5 years' experience in processing corporate credit loan proposals (these are big ticket loans with an avg sizeof USD 20 mio and above) with ability to analyse the inherent risk associated with it including balance sheet analysis and put up the proposal to respective credit committee for necessary approval. Also, Analyst is expected to have a marketing flair to scout for corporate clients who are in need of loans/advances. Sound knowledge of financial analysis/balancesheet analysis. Excellent verbal and written communication skills. Critical attention to detail and sound judgement. Excellent analytical skills - questioning and discerning. Target driven and goal oriented - is functionally organised, delivers to requirements and meets business targets. Excellent decision making and problem solving capabilities - is capable of prompt and effective actions in addressing issues. If you feel interested in the role and have the required expereince and qualifications, 'Apply' immediately.

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