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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 355 jobs
As a Client Manager you will manage the day-to-day operation of cashflow facilities, co-ordinate settlement of...
This is the time to join this leading Bank, in this current market this Bank is standing apart from the compet...
Mid Tier Financial Services company seeks an experienced Senior Credit Analyst to join its team in their Melbo...
Numbers Executive is sourcing a capable Investment Analyst for this rare opportunity to work in Debt Investmen...
Branch Based - Eastern Suburbs, Commercial/Consumer Focus, Competitive Package on Offer
This reputable Automotive Finance provider has been present in the Melbourne market for over 20 years. They ar...
Excellent opportunity in dynamic business
See job description below
Our client is a global Investment Bank with a strong Principal Investment Division and has an impressive recor...
Do you have ten or more years experience working in Institutional credit analysis? Do you have exposure to maj...
Opportunity to join a leading global bank in - Relationship Manager, Global Banking .
$120-150k + bonus - Global blue chip
A position has emerged to take control of the Group Risk Model Validation team in Sydney. Managing a team of 5...
EM Prop Credit Trader, Austria, Vienna, €Base Salary & Discretionary Bonus
Catlin Insurance Company Ltd. (Catlin Bermuda) is a member company of Catlin Group Limited, a substantially ca...
A tax-free salary and island lifestyle are just two of the attractions on offer with this exciting opportunity...
An immediate contract opportunity is available in Downtown Toronto with a leading financial services organizat...
ICBC head quarter is looking for Market Risk Management Senior Manager with at least 8 years of experience in...
ICBC head quarter is looking for Quantitative Validation with strong background in statistical analysis, comp...
ICBC head quarter is looking for Credit Risk Quantification Management.
ICBC head quarter is looking for Country Risk Analyst with strong background in country risk analysis.
One of the top Interantional rating firms is seeking a highly competent credit expert to join it's China opera...
Support Head Portfolio Management GCP Asia in both day-to-day work and strategic projects related to China Ser...
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Looking for experienced and seasoned Java/C# developers to work on cutting-edge, next-generation analytics/ris...
Seeking highly qualified special asset/problem account management professional for Corporate Banking and SME B...
This is for a leading foreign bank in Shanghai.
This is a leading regional bank well established in China.
Senior Credit Analyst with solid credit knowledge and china experience.
Our client has opened an excellent opportunity for a Financial Risk Expert to head and lead a specialised team...
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Credit
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