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Credit


Our credit jobs are all listed within this sector. Credit job titles are usually "credit risk managers," "credit analysts" or "credit officers," but some banks use a seniority level followed by credit - e.g., "vice president, credit." No matter the title, throughout the course of a credit career, these professionals review credit applications from the bank's clients (usually companies that wish to borrow money) or from other financial institutions who are the firm's counterparties.

Jobs listed here also include credit risk. This is the risk of loss of principal funds if a borrower defaults on loan repayment. Risk is incurred when a person or company plans to use future income to pay a current debt. Credit risk analysts and professionals aim to minimize risk by creating credit proposals and reviews, which supply businesses with impartial assessments on the financial situation of potential and current borrowers.

Credit analysts work with the lending team to make sure that credit proposals or extensions are approved or declined in compliance with the firm's own credit policies alongside local regulations. Most lenders use internal models, called credit scorecards, to judge potential and existing customers according to risk. Various different components such as operating experience, management expertise, asset quality and leverage and liquidity ratios are considered when composing these models.

The goal of a credit professional is to maintain high credit quality through the careful structuring, sanctioning, monitoring and control of credit applications in accordance with credit standards. Credit analysts are also required to keep track of clients whose credit portfolios require careful checking. That way, any deterioration in credit will be quickly detected and the overall risk lowered.

Credit professionals, particularly ones that stand higher within the business, must work closely with the business and understand their overall portfolio and risk capabilities. They should keep current on financial analysis and risk profiles of assigned sectors, borrowers and counterparties throughout credit careers. They must handle the difficulty of balancing the goals of sales staff to expand the business with their own responsibilities to lend carefully and make financially sound credit decisions.

Different types of transactions carry different credit risk issues, including within corporate banking, project finance, structured trade and syndications. Many other firms besides banks recruit credit professionals as well. For instance, private equity firms hire them to manage the credit risk of counterparties and investment-related service providers.

Credit jobs can be very specific. Some positions may work only on counterparty risk. These involve due diligence visits to financial institutions to gather credit information. They then analyze these financial records with excel spreadsheets, providing the bank with a current, realistic estimation of future operating performance.

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Showing 1-30 of 371 jobs
Securities Analyst 40/86 Advisors Salary Carmel, IN, 46032 27 Jan 12

As a Securities Analyst, you will be working with senior members of the research team in conducting fundamenta...

Business Data Analyst Advanced Capability Solutions £excellent market rate UK-London 10 Feb 12

Reporting to the Risk Data team lead the resource will work with various stakeholders (R&A/Modelling/Risk Proc...

Senior Associate European Risk Management Office Aldrich and Company circa £40,000 UK-London 09 Feb 12

Our client – a leading global bank is seeking to recruit a Senior Associate for the European Risk Management O...

Manager, Risk Platforms Credit Risk Change BA Ambition £50000 - £70000 per annum + plus benefit... UK-London 06 Feb 12

A minimum of 2-4 years' experience in banking, with preference to an analytical role gained within risk in an ...

Credit Operations Analyst Ambition Group Singapore (Licence No. 10C5117) Attractive Salary Package Singapore 10 Feb 12

Credit Operations Analyst with a Global Private Bank

Sr. Credit Analyst, Non-Agency RMBS Research American International Group, Inc. (AIG) NA New York, NY, 10001 06 Feb 12

This position resides within the Non-Agency RMBS Research Team of the Structured Products Group.

Head Corporate Banking Department Amsterdam Trade Bank Competitive Netherlands-North-Holland 30 Jan 12

Amsterdam Trade Bank N.V., is looking for a Head Corporate Banking Department. Corporate Banking is responsibl...

Counterparty Credit Analyst-FX Trading Firm – EM - New York Analytic Recruiting Inc. Competitive comp New York, NY 07 Feb 12

A major NY based financial firm that is active in trading, clearing and settling FX trades is looking for an e...

Associate Level Credit Quant Anson Mccade Competitive New York, NY, 10001 08 Feb 12

My client is a Top Tier bank looking to hire an Associate Level Credit Quant for its Global Credit Products te...

Commerciale Credito al Consumo - Segmento Auto Antal International Italy Ltd Commisurata a ruolo ed esperienza Italy-Lombardia 09 Feb 12

Antal International è una multinazionale dell'headhunting con più di 107 uffici in 34 paesi sui 5 continenti. ...

Associate Director, Insurance and Funds ANZ not disclosed Australia-Sydney 24 Jan 12

We currently have a vacancy within the team's Research and Analysis team. The key focus of this position will ...

Senior Relationship Manager ANZ Market Competitive New Zealand-Auckland 27 Jun 11

Merge your relationship, networking and analytical skills within one of the most respected financial organisat...

Credit Analyst AP Group Swiss Franc100000 - Swiss Franc125000 pe... Switzerland-Zurich 09 Feb 12

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VP Credit Risk FI's Seoul Ardent Emerging Markets Competitive Korea (South) 03 Feb 12

International institution seeking experienced credit professional. This key role will cover the Korean FI's po...

VP Credit Risk Manager Ardent Emerging Markets Competitive China-Shanghai 03 Feb 12

Leading global investment bank is seeking an experienced credit risk manager to manage the China corporate por...

VP Economic Capital Model Validation Ashton Lane Group, Inc Excellent Base & Bonus Washington, DC 08 Feb 12

Managing the quantitative modeling & analysis for a large commercial bank

AVP - Statistical Analysis Ashton Lane Group, Inc Excellent Base & Bonus Washington, DC 08 Feb 12

Quantitative statistical risk management for a large commercial bank

VP - Statistical Analysis Ashton Lane Group, Inc Excellent Base & Bonus Washington, DC 08 Feb 12

Senior quantitative credit risk manager for a large commercial bank

Head, Credit Admin & Control - Asia Asia Wealth Management Search Attractive Singapore 07 Feb 12

My client are rapidly expanding their Wealth Management operation across Asia and as such they require a Head ...

Senior Credit Analyst AXA GIE To be Defined UK-London 24 Jan 12

AXA Group employs over 214 000 people in 56 countries, serving more than 80 million Customers, and generating ...

Senior Fixed Income Portfolio Manager B-Aron Conseil nc Switzerland-Romandy - Geneva 25 Jan 12

for a private bank in Geneva we are looking for a Senior Fixed Income Portfolio Manager

Senior Credit Analyst Bank Vontobel AG verhandelbar Switzerland-Zurich 08 Feb 12

Die Bank Vontobel AG, eine international orientierte Schweizer Privatbank mit starker Investment Banking/Broke...

Fixed Income Broker Barclay Meade £100000 - £300000 per annum UK-London 01 Feb 12

My client is a highly experienced Institutional Bond Consultancy and Execution Agent. Your background will be ...

Senior Credit Analyst – RMBS Barclay Simpson £80-100,000+bonus+bens UK-London 10 Feb 12

Our client, a leading financial institution, is looking to hire an experienced structured product credit analy...

Credit Risk Specialist – Aviation Barclay Simpson £Excellent UK-London 10 Feb 12

A leading financial services firm is looking to hire an Aviation credit specialist to manage a portfolio of st...

Trade Finance - Credit Portfolio Manager Barclay Simpson £60-80,000+bonus+bens UK-London 10 Feb 12

A leading global bank is looking to recruit an experienced trade finance risk professional to help manage risk...

Director Strategic Controls-Investment Bank Barclay Simpson Competitive UK-London 31 Jan 12

Our client a tier one Investment Bank seeks Director to drive forward key strategic control objectives across ...

Credit Analyst - Corporates Barclay Simpson £Exellent Base + Bonus + Benefits UK-London 24 Jan 12

A leading global brokerage is looking for a Corporate Credit Analyst with Derivatives and Traded Products expe...

Hedge Fund Credit Officer Barclay Simpson £Excellent UK-London 24 Jan 12

A leading International Investment Bank are looking for a Hedge Fund credit officer.

VP Counterparty Credit Analyst - Banks Barclay Simpson £Excellent UK-London 24 Jan 12

A leading international investment bank with a significant presence in London is looking for a junior VP to jo...

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