Credit Analyst
Isle of Man
Permanent
Our client seeks a Credit Analyst to join their risk team.
Role Profile: Responsible for managing a portfolio of counterparty credit risks associated with lending, trading and investment activities. The successful candidate will play a key role in assessing, monitoring and managing credit risk within approved risk appetite.
Responsibilities:
- Critically assess valuation assumptions, sustainable cash flows, loan-to-value, debt-service and interest-cover metrics, lease profile, tenant quality, vacancy, break options and marketability.
- Design or challenge fit-for-purpose security packages, guarantees, cessions, mortgage or other collateral arrangements, intercreditor terms and enforcement priorities.
- Make credit decisions and recommendations in line with applicable lending policies, regulatory requirements and sound credit risk principles.
- Identify and mitigate credit risks through appropriate security structures, facility conditions and ongoing portfolio monitoring.
- Build strong relationships with business stakeholders and act as a trusted advisor on credit matters.
Key Skills and Experience:
Essential:
- Degree in Finance, Accounting, Business Commerce or a related discipline.
- 5-7 years' experience in credit assessment, credit risk decisioning and lending within banking or financial services.
- Strong understanding of financial statements, repayment structures, collateral management and credit processes.
Advantageous:
- Real estate (ideally UK), property finance or structured lending education.
Your specialist: Angie Westmorland
Quote job ref: 16933
Hi I'm Angie, I am working on this amazing opportunity with one of the Island's leading employers, click apply now and I will be in touch.
