Banking Job-Mandarin speaking Credit Analyst-London-wm

Overview

In this Front Office role, you support Relationship Managers by performing fundamental credit risk analysis and assigning internal ratings through loan transactions. You will engage in client due diligence and help onboard new clients, ensuring risk is understood and mitigated. You’ll assess transactions within their structure and present credit analyses with recommendations on facility elements. You will also help maintain risk systems and contribute to post-loan risk management, shaping credit terms in documentation.

Responsibilities

• Assist RMs with credit risk analysis and internal rating during loan execution
• Participate in client due diligence visits to support onboarding
• Assess transaction structures to identify and mitigate risks
• Prepare and present credit analyses with recommendations on facility elements
• Support internal rating trials and credit rating proposals using risk templates
• Maintain accurate exposure and client data in internal risk systems
• Develop and implement Front Office post-loan risk management framework
• Monitor market, regulatory, macro-economic developments and their impact on credit quality
• Coordinate with RMs and other departments to address risks and negotiate credit terms
• Liaise with Risk Department for end-to-end credit risk management and support ad-hoc tasks
• Assist Department Head with miscellaneous tasks

Key requirements

• 5+ years’ experience in credit assessment in banking
• Fluency in English and Mandarin
• Strong analytical skills in credit risk management
• Excellent written and spoken communication skills in Mandarin
• Excellent Microsoft Office and data management skills
• Quick learner and adaptable to new environments

• strong analytical mindset
• clear communicator
• team collaboration
• credit management systems
• risk reporting and analysis
• data management

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