Company
Financial Services
CreditAnalysisManager
Neural analysis suggests this role is
optimal for Manager candidates.
“Credit Analysis Manager. Skills: Credit Analysis, Risk Management, Lending Policies. Identify credit risks. Analyse credit risks”
What You'll Achieve.
Deliver to a consistently excellent standard
Industry & Context.
Analytical problems; Conceptual thinking; Problem solving
What They're Looking For.
Must Have
CA or MBA-Finance, Prior experience in corporate credit analysis, Understanding of financial statements, Deep understanding of Corporate Banking products, Familiarity with MS Office, Conceptual thinking, Ability to deliver accurate results, Team work, Interpersonal skills, Oral and written communication skills
Nice to Have
CFA/FRM added advantage, Rating Agency added advantages, Knowledge of UK GAAP, Knowledge of IFRS, Awareness of legislation affecting the Bank
What You'll Do.
Identify credit risks
Mitigate credit risks
Analyse financial data
Determine risk of default
Monitor loan portfolios
Identify credit deterioration
Identify early warning signs
Recommend loan approvals
Recommend loan rejections
Recommend loan adjustments
Develop credit risk mitigation strategies
Implement credit risk mitigation strategies
Implement workout plans
Perform prescribed activities
Drive continuous improvement
Lead and supervise a team
Guide professional development
Support professional development
Allocate work requirements
Coordinate team resources
Create environment for colleagues
Deliver to excellent standard
Develop technical expertise
Impact work of related teams
Partner with other functions
Partner with business areas
Take responsibility for end results
Escalate breaches of policies
Escalate breaches of procedure
Take responsibility for embedding new policies
Take responsibility for embedding new procedures
Advise decision making
Influence decision making
Take ownership for managing risk
Deliver work in line with rules
Deliver work in line with regulation
Deliver work in line with codes of conduct
Build understanding of sub-function integration
Build understanding of organisation's products
Build understanding of organisation's services
Build understanding of organisation's processes
Demonstrate understanding of area coordination
Make evaluative judgements
Apply technical experience
Persuade team members
Communicate complex information
Communicate sensitive information
Act as contact point for stakeholders
Build network of contacts
Transform high-level requests
Perform deep dive analysis
Structure lending proposals
Prepare credit proposals
Highlight key mitigants
Enable decision making
Identify new opportunities
Formulate opportunities into proposals
Share proposals with people leader
Help implement proposals
Work effectively with peers
Work effectively with management team
Achieve shared business objectives
Contribute to colleague agenda
Generate insights from data
Generate insights from information
Interpret financial results
How You'll Work.
Team & Collaboration
Work with peers; Work with management; Partner with functions; Partner with business areas; Work with cross-functional teams; Work with BI CCR; Work with Risk functions; Work with Risk Sanctioners; Work with Relationship Directors; Work with Associate Bankers; Work with Monitoring & Control team; Work with Control teams
Communication Scope
Written communication; Oral communication; Coherent story
Process & Methodology
Deal structuring
Full Job Description
# **Job Description** **Purpose of the role** To safeguard the financial health of the bank by identifying, analysing, and mitigating potential credit risks associated with lending activities. **Accountabilities** * Analysis of financial data, including income, assets, liabilities, credit history, and economic trends, to determine the risk of default. * Monitoring of existing loan portfolios to identify potential credit deterioration or early warning signs of default. * Recommendation of loan approvals, rejections, or adjustments based on risk evaluation and bank lending policies. * Development and implementation of credit risk mitigation strategies, including collateral management, loan restructuring, and workout plans. **Analyst Expectations** * To perform prescribed activities in a timely manner and to a high standard consistently driving continuous improvement. * Requires in-depth technical knowledge and experience in their assigned area of expertise * Thorough understanding of the underlying principles and concepts within the area of expertise * They lead and supervise a team, guiding and supporting professional development, allocating work requirements and coordinating team resources. * If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L – Listen and be authentic, E – Energise and inspire, A – Align across the enterprise, D – Develop others. * OR for an individual contributor, they develop technical expertise in work area, acting as an advisor where appropriate. * Will have an impact on the work of related teams within the area. * Partner with other functions and business areas. * Takes responsibility for end results of a team’s operational processing and activities. * Escalate breaches of policies / procedure appropriately. * Take responsibility for embe
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