The Credit Analyst: Business Development will support Business Development department with preliminary analysis, appraisal and monitoring of credit facilities. The role holder will work alongside the Relationship Officer/Manager in collating the required information and preparing credit requests for the consideration of the appropriate authorities of the Bank.

Responsibilities:

• Preparation and processing of credit applications and other associated documentations for existing and potential facilities
• Ensure in-depth analysis of the financial reports/status of companies to facilitate accurate credit decision making by the bank
• Join RMs to credit presentations at MCC and/or GCC (as required).
• Ensure all the designated customer credit files are up to date
• Ensure the creation and management of mirror files for all credit facilities/relationships
• Ensure prompt review of all credit facilities in Business Development department in line with their assigned risk classification
• Monitor the changing business environment and ensure periodic update of the department with potential credit risks and business opportunities
• Liaise and address credit related queries from back office departments
• Identify and follow up on relevant cross selling opportunities and contribute to the overall growth of the Bank's business development business
• Comply with the FCA/PRA's Individual Conduct Rules, as outlined below
• To support the overall business activities of BD, or may be assigned Skills/Qualification required:
• Strong knowledge of credit (appraisal, analysis, review, monitoring etc)
• Good organisational and interpersonal skills.
• Good communication skills (written and verbal)
• Be self-motivated/ work with minimal supervision.
• Business and Customer Service focused
• Proactive, thorough and analytical
• Good knowledge of customer KYC and AML policies and procedures
• Cross functional awareness
• Commercial awareness
• Flexibility
• Team player
• High level of integrity
• Organized and disciplined in approach
• A strong commitment to living the Bank's values Academic and Professional qualifications
• Educated to a degree level
• Minimum of 4 years work experience in similar or related role Language and Numeric skills Needs to have an excellent command of the English language with strong written and verbal communication skills and be able to communicate effectively across all levels. A numeric aptitude is desirable.