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CreditThis sector contains all our credit jobs. Credit professionals are commonly known as 'credit risk managers', 'credit analysts' or 'credit officers'. Some banks however, simply use a seniority level followed by the key word - e.g. 'vice president, credit'. Over the course of their credit careers they are essentially tasked with reviewing credit applications from the bank's clients (e.g. corporations wanting to borrow money) or from financial institutions who are the firm's counterparties. Credit risk is the risk of loss of principle if a borrower defaults on a loan repayment obligation. It arises whenever an individual or company expects to use future income to pay a current debt. Through the preparation of credit proposals and credit reviews, which provide the business with independent assessments about the financial standing of prospective and existing borrowers, Credit risk analysts help to limit the risk of financial loss. To ensure that credit proposals or extensions are approved or declined in accordance with both the firm's internal credit policies and local regulations, credit analysts work closely with the lending team. Most lenders use their own models (credit scorecards) to rank potential and existing customers according to risk. Factors taken into account include operating experience, management expertise, asset quality, and leverage and liquidity ratios. The aim is to ensure high credit quality through the structuring, sanctioning, monitoring and control of credit applications, as well as ongoing maintenance of credit standards. Performing regular reviews of clients whose credit portfolios require close monitoring is another job of the credit analysts. This helps to ensure that any deterioration is quickly recognised and that credit risk is mitigated. Credit professionals, especially senior ones, maintain close working relationships with the business and must understand their portfolio and risk capabilities. Another important responsibility is tostay up to date with the financial analysis and the risk profiles of their assigned sectors, borrowers and counterparties throughout their credit careers. Ultimately, they must balance the desire of front-office sales staff to expand the business, with the need to lend prudently and make sound credit decisions. There are credit risk issues within different types of transactions - including corporate banking, project finance, structured trade and syndications. As well as banks, private equity firms, for example, recruit credit professionals use them to manage the credit risk of counterparties and investment-related service providers. Credit jobs can also be quite specific, such as roles which focus only on counterparty risk and involve due diligence visits to financial institutions to collect credit information. Financial records are analysed on excel spreadsheets so that the bank has a realistic assumption of future operating performance. Show more » « Show less
Showing 1-30 of 356 jobs
The senior analyst will provide lead coverage of a ratings portfolio for the utilities and infrastructure fran...
Associate Director level Credit Analyst, fluent in Russian, is required by our leading global banking client t...
This will be the most senior position within a group of researchers with envisaged direct report responsibilit...
A leading global bank is looking to recruit a Credit Researcher at associate level to work with credit portfol...
A major NY based financial firm that is active in trading, clearing and settling FX trades is looking for an e...
Antal International è una società di headhunting internazionale, specializzata nel recruiting di profili del M...
See job description below
Merge your relationship, networking and analytical skills within one of the most respected financial organisat...
**For a complete listing of all our jobs, please visit www.apaintl.com**
**For a complete listing of all our jobs, please visit www.apaintl.com**
An Asian bank is seeking a couple of risk officers to be responsible for the credit analysis of financial inst...
Global cards compay is looking for a senior consultant to join their in-house strategy team. You will be leadi...
Lead or Co-Lead the Credit Risk Model Validation process within a US bank
Credit Risk, Basel II, Business Analyst, A – IRB, Probabilities of Default (PD), Exposure at Default (EAD), Lo...
For an international banking group We are looking for a Corportate Credit Analyst
Banque commerciale de réseau (4500 collaborateurs) affichant de très bonnes performances, et dotée d'une excel...
My client has one of the largest Risk and Reporting teams in the City. They currently need a Senior portfolio ...
OverviewBank of America is one of the world's largest financial institutions, serving individual consumers, sm...
My client is a highly experienced Institutional Bond Consultancy and Execution Agent. Your background will be ...
A Leading Global Corporate Bank is looking for an AD level credit analyst.
A Leading International Banking Group is looking for a Fluent or Native Russian Speaker to cover a portfolio o...
My client, a leading global financial institution is looking for a seasoned credit specialist to join its Weal...
A top tier Investment bank is looking to recruit a VP level position in their market-leading Credit Risk Repor...
Our client, a major banking group, is looking for a project manager with specific knowledge and experience reg...
A top tier investment bank is looking to hire a talented commodities credit officer, with strong traded produc...
One of the World's largest banking groups with a significant ASEAN and wider APAC presence have a rare opportu...
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Credit
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