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Credit


This sector contains all our credit jobs. Credit professionals are often referred to as 'credit risk managers' 'credit analysts' or 'credit officers', while some banks simply use a seniority level followed by the key word - e.g 'vice president, credit'. Whatever the title, 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. Credit risk analysts and professionals help to mitigate this risk by preparing credit proposals and credit reviews, which provide the business with independent assessments about the financial standing of prospective and existing borrowers.

Credit analysts collaborate with the lending team to ensure that credit proposals or extensions are approved or declined in accordance with both the firm's internal credit policies and local regulations. Most lenders use their own models (credit scorecards) to rank potential and existing customers according to risk. Factors such as operating experience, management expertise, asset quality, and leverage and liquidity ratios are taken into account.

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. It is also the job of credit analysts to perform regular reviews of clients whose credit portfolios require close monitoring. 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. They must also stay up to date with 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. And it's not only banks that recruit credit professionals. Private equity firms, for example, 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.

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Showing 1-30 of 274 jobs
Senior Associate – European Financial & Debt Restructuring (Top Tier Global Bank) One Search £85-95K UK-London 23 May 13

Our client, a leading global investment bank and specialist in financial and debt restructuring, is currently...

Product Control opportunity with Tier One Investment Bank based in London Eximius Group 35,000-45,000 UK-London 23 May 13

Product Control opportunity with Tier One Investment Bank based in London

VP - Credit Analyst - FIs - Middle East & Africa Carr Lyons £65k to £75k UK-London 23 May 13

This leading European Bank is looking for a VP Credit Analyst to join their London Financial Institutions team...

Global Fixed Income Sales City Wharf Financial Recruitment Highly Competitive UK-London 23 May 13

City based investment bank seeks individuals with at least 3-5 years experience in bond sales. Successful cand...

Credit Analyst - Trade Finance - Associate Director Carr Lyons £55k to £65k UK-London 23 May 13

A unique opportunity to join a global bank in their Global Trade Finance Division.

Emerging Market Bonds Sales Specialist – Very Urgent City Wharf Financial Recruitment Strong Basic + Bonus UK-London 23 May 13

Leading investment bank is actively seeking a Fixed Income Emerging market sales person with at least 5 -10 ye...

Credit Partner/Analyst - Large Corporates Investigo Front Office 60-70K + car + benefits UK-London 23 May 13

Our client is seeking an experience corporate credit professional to join their growing business

Corporate Credit Risk Analyst, AVP LMA £55,000 - £65,000 UK-London 23 May 13

A leading Investment Bank are currently recruiting for an AVP level Corporate Credit Risk Analyst to join thei...

Flow Credit Sales Cantor Fitzgerald. Competitive UK-London 23 May 13

We are urgently looking for 2 salespeople for European Flow Credit to cover Germany and the UK with both posit...

Product Control- IPV (Credit) AGS on Behalf of RBS GBP.00 per annum UK-London 23 May 13

Product Control - Credit knowledge, IPV

Director, Structured Credit Investing - Tier One European Credit Fund Greenwich Partners Outstanding potential UK-London 23 May 13

£Billion credit fund is now looking to add a Director to their team

Corporate Banking Audit Director Barclay Simpson c.£75-90,000 + Bens UK-London 23 May 13

Corporate Banking Audit Director

Associate/ Senior Associate, Structured Credit Fund Greenwich Partners Excellent base and bonus UK-London 23 May 13

Associate/ Senior Associate level with this top performing credit fund

Credit Controller Brook Street GBP9.00 per hour UK-South West 23 May 13

You will be responsible for proactively managing a set of accounts based on the demands and needs of clients, ...

NBFI Credit Analyst at Global Brokerage Eames Consulting Risk £35-40k base UK-London 23 May 13

Great opportunity for a credit analyst to join one of the world''s leading brokerage houses and gain exposure...

Project Finance - Structured Finance - German essential Euro London Group £40-45k UK-London 22 May 13

Our client is an international company who are currently seeking someone who is fluent in German who also has ...

Latin America Credit Portfolio manager Not Disclosed $200000 - $400000 per annum, Benefits: O... UK-London 22 May 13

My client is a multi-billion dollar highly prestigious hedge fund seeking to add a latin america portfolio man...

Associate/AVP Corporate Credit Analyst Eames Consulting Risk £50-65k + bonus + benefits UK-London 22 May 13

Top-tier investment house is looking for an Associate/AVP Corporate Credit Analyst to cover Consumer, Retail...

Treasury Credit Manager Eames Consulting Risk £65-75k base + car allowance +competitiv... UK-South West 22 May 13

UK retail financial services company requires a Credit Risk Manager to work within its Treasury function.

Industrials/Property Credit Analyst , Associate Director - London Fitch Ratings Competitive UK-London 22 May 13

Fitch Ratings is seeking a Credit Analyst to join its Corporates team, with a focus on property and constructi...

Team Head - Mining Carr Lyons Excellent UK-London 22 May 13

An exciting opportunity for an exceptional seasoned Relationship Manager to set up and lead a new team focusin...

Credit Exposure Analyst - Interim - Long Term Contract IQ Analytics Daily Rate UK-London 21 May 13

We''re recruiting for a large Investment Banking client of ours for Credit Exposure Analyst for an initial con...

Maritime and Aircraft Finance Department Analyst. LMA £32 per hour UK-London 21 May 13

An exciting new opportunity has arisen within a tier 1 bank for a Maritime and Aircraft Finance Department Ana...

Director, Credit Review, Project Finance Carr Lyons Excellent UK-London 21 May 13

Our client is looking to hire a enior Credit Review Analyst in the London team. This role will focus heavily o...

Credit Risk Loans & Derivatives Greenwich Atlantic Associates Dependent on experience UK-London 21 May 13

Leading Investment Bank seeks a strong credit risk professional to analyse counterparties, identify and quanti...

CIB - F&BM - External Reporting Controller for Global Credit - Associate - London J.P.Morgan. Competitve UK-London 21 May 13

Please see the job description

Credit Electronic Market Making Algorithmic Quantitative Analyst for Tier 1 US Investment Bank - London GQR Global Markets Circa £160'000 base & bonus UK-London 21 May 13

We are urgently seeking a senior quantitative analyst to build and develop algorithmic market making capabilit...

Credit Electronic Market Making Algorithmic Quantitative Analyst for Tier 1 US Investment Bank - London GQR Global Markets Circa £160'000 base & bonus UK-London 21 May 13

We are urgently seeking a senior quantitative analyst to build and develop algorithmic market making capabilit...

Covered Bonds Analyst BBVA Competitive UK-London 21 May 13

We currently have a position within our Credit Research team for someone to focus on Financials. Primary focu...

Associate Director – Mezzanine Debt Fund Pure Recruitment 100 - 110 UK-London 21 May 13

This leading debt fund is looking to hire an associate director with leveraged finance experience. Our client ...

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