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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 130 jobs
Credit Electronic Market Making Algorithmic Quantitative Analyst for Tier 1 US Investment Bank - London GQR Global Markets Circa £160'000 base & bonus UK-London 24 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 24 May 13

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

Emerging Market Bond Sales - LONDON Selby Jennings Base + Discretionary Bonus UK-London 24 May 13

Senior sales position to expand the credit desk at a leading investment bank in London

Credit Risk Specialised Industries AVP Hays Specialist Recruitment GBP55000.00 - GBP65000.00 per annum + be... UK-London 24 May 13

Opportunity in this top tier corporate/investment global bank, focussed upon a broad range of specialised sect...

Derivatives Structurer (FX, Credit, Equity Index) Excelsior Professional Search Commensurate UK-London 24 May 13

Derivatives Structuring / Product Development position with leading financial institution

Credit Sales to Global financial institutions Location: Oslo, Norway. Selby Jennings Fixed base salary + annual discretionary... UK-London 24 May 13

Credit sales to non Scandinavian financial institutions. Not a junior role, must have a track record and clien...

Risk Control- Counterparty risk exposure & Excess management analyst UBS Market Rate UK-London 24 May 13

The Risk Control Operations (RCO) team are looking for a Highly motivated self-starter with good Counterparty ...

French Speaking Collections Associate Moodys Annual UK-London 24 May 13

French speaking Collections / Credit Control AssociateResponsibilities include:Responsible for collection of ...

Credit Product Sales Specialist Moodys Annual UK-London 24 May 13

Moody''s Analytics sales force is organised to emphasise a team sales culture.

Greenfield Cross Asset Business Analyst / Project Manager Aston Carter Ltd £40 - 80k + Package + Car + Bonus UK-London 24 May 13

This is a brand new start up within the bank and they require a Business analyst/Project manager to be a leadi...

Credit Risk Reporting - Backtesting (VBA/SQL) Carr Lyons Competitive package UK-London 24 May 13

Credit Risk Reporting - Backtesting (VBA/SQL) A leading global investment bank is looking for a VP Level ca...

Product Manager - Emerging Markets Not Disclosed Very competitive UK-London 24 May 13

Leading fixed income and emerging markets asset manager are looking to hire an experienced product manager int...

Senior Associate – European Financial & Debt Restructuring (Top Tier Global Bank) One Search £85-95K UK-London 24 May 13

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

Credit Risk Loans & Derivatives Greenwich Atlantic Associates Dependent on experience UK-London 24 May 13

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

Head of Unsecured Portfolio Management Taylor Harrison Competitive plus benefits UK-London 24 May 13

Our client, one of the UK's most respected financial services players, seeks a senior Risk professional for th...

Associate Director – Mezzanine Debt Fund Pure Recruitment 100 - 110 UK-London 24 May 13

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

Analyst Oil & Gas Walker Hamill Upon application UK-London 24 May 13

My client a major Oil & Gas Bank seeks an Analyst to join its analyst pool to support two senior bankers.

Emerging Market Bonds Sales Specialist – Very Urgent City Wharf Financial Recruitment Strong Basic + Bonus UK-London 24 May 13

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

Global Fixed Income Sales City Wharf Financial Recruitment Highly Competitive UK-London 24 May 13

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

Origination, Sales and Research Distressed Products German Speaking Walker Hamill Upon Application UK-London 24 May 13

My client a London based boutique brokerage seeks a German speaking candidate to join them in London.

Sector Head Client Coverage Walker Hamill Upon Application UK-London 24 May 13

My client a major European Bank seeks upto two sector Heads to lead a team of Relationship Directors as the ba...

Relationship Director Client Coverage Walker Hamill Upon Application UK-London 24 May 13

My client a major European Bank seeks Relationship Directors to join its client coverage team based in London

Relationship Managers Client Coverage Walker Hamill Upon Application UK-London 24 May 13

My client a major European Bank seeks Relationship Managers to join its Client Coverage team in London

Director, Structured Credit Investing - Tier One European Credit Fund Greenwich Partners Outstanding potential UK-London 24 May 13

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

Associate/ Senior Associate, Structured Credit Fund Greenwich Partners Excellent base and bonus UK-London 24 May 13

Associate/ Senior Associate level with this top performing credit fund

Junior Associate, High Yield Bond Fund Greenwich Partners Excellent base and bonus potential UK-London 24 May 13

Superb opportunity to join this high yield bond fund

Vice President High Yield Debt Fund Greenwich Partners c £100,000 with bonus UK-London 24 May 13

Superb opportunity to join this top performing debt fund as a High Yield Analyst

Director - Product Manager, Bank Loan Ratings TheMcGraw-HillCompanies Competitive UK-London 24 May 13

The primary objective of the role is to champion S&P ratings in the loan markets. Working in close collaborat...

Associate – Structured Finance (Corporate Securitization) TheMcGraw-HillCompanies Competitive UK-London 24 May 13

Associate – Structured Finance (Corporate Securitization)   Standard & Poor''s, a division of The McGraw-Hill...

VP - ABS Structuring - Investment Bank Selby Jennings Competitive UK-London 24 May 13

A leading investment bank is currently looking to add to its Fixed Income portfolio management group for a rol...

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