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You refined byCreditThis 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 1-25 of 25 jobs
To manage the risk function of the private equity business
See job description below
APPROVE SME LENDING IN A LEADING GLOBAL BANK
• Tier 1 Global Financial Institution • Opportunity to advice and work closely with CIO's • Autonomous role ...
An exciting opportunity has arisen to join UBS as a Structured Credit Transaction Manager
My client, a leading global financial institution is looking for a seasoned credit specialist to join its Weal...
A leading International Bank invites experienced Credit Manager to join the Bank. The incumbent conducts cred...
CREDIT APPROVAL FOR GLOBAL CORPORATIONS
CORPORATE AND FI COUNTERPARTY CREDIT RISK
DELIVER STRUCTURED TRADE FINANCE SOLUTIONS TO ASIAN CORPORATES PURCHASING FROM FOREIGN CORPORATES
CREDIT ANALYSIS IN CREDIT RISK MANAGEMENT DEPARTMENT
OverviewBank of America is one of the world's largest financial institutions, serving individual consumers, sm...
Our client, a reputable Chinese bank, is seeking Head of Marketing for their Credit Card and Unsecured Loan bu...
The senior analyst will provide lead coverage of a ratings portfolio for the utilities and infrastructure fran...
Our client is an International bank; they are looking for a Senior/Credit Risk Analyst in their Corporate and ...
We are seeking a dynamic individual to join our company as an ASIA PACIFIC CREDIT ANALYST who will be reportin...
Conduct fundamental research, provide timely analysis of new corporate credits and other credit products (e.g....
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We are seeking a dynamic individual to join us as a Senior Relationship Banker, based in Hong Kong to work for...
Exciting opportunity for an experienced Credit Risk professional within a global investment bank. This positio...
We are looking for a/an Director/Associate Director with our Local Corporates portfolio to provide pro-active ...
We are inviting application for the post of Director (Senior Relationship Manager) to provide proactive senior...
Our clients are recruiting an experienced, high caliber professional to join the Commercial Banking Division a...
Our client is a well-established foreign corporate banking with strong presense in Asia. They are now looking ...
My client, one of well-established banks from Korea, is currently looking for a Credit Review Officer as follo...
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Credit, Hong Kong SAR
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