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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 217 jobs
CEE Prop Credit Trader - Vienna, Austria Selby Jennings FIFX €Base + discretionary bonus Austria 14 May 12

EM Prop Credit Trader, Austria, Vienna, €Base Salary & Discretionary Bonus

Experienced Market Risk Quantitative Analysts for Market Risk Management Nordea Market Risk Management - Denmark-Copenhagen 15 May 12

Nordea's Market Risk Analysis team in Copenhagen is currently expanding. We are looking for experienced market...

Fixed Income Sales - Paris / Monaco Paul Mandel Recruitment Very attractive package France-Paris 16 May 12

Small independent financial institution is looking to develop a fixed income sales desk in Paris / Monaco.

(H/F) CONSULTANT MOA RISQUES Sungard Consulting Services Anégocier selon profil France-Paris 16 May 12

SunGard Global Services propose des activités de service et de conseil dans les secteurs de la banque, la fina...

Consultants risque de crédit (Seniors et Managers) Opus Finance Rémunération selon expérience France-Paris 15 May 12

Consultants risque de crédit (Seniors et Managers)

Analyste résultats Economiques Confirmé Natixis Selon profil France-Paris 15 May 12

Nous recherchons un analyste Résultats Economiques confirmé pour le périmètre Crédit au sein de notre Banque d...

Consultant Expérimenté en risques de crédit ERNST & YOUNG Salaire à définir France-Paris 14 May 12

Voir annonce

Gérant Obligataire en charge du suivi macro-économiqe Not Disclosed Fixe et variable suivant profil France-Paris 14 May 12

Notre Société de gestion recherche un gérant obligataire ayant une expérience de 3 à 7 ans, dont au moins une ...

Gestionnaire BO garanties internationales H/F Hays France €15.00 - €22.00 heure France-Paris 11 May 12

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Sales corporate bonds B2J Conseil fixe+bonus France-Paris 06 May 12

Banque commerciale de réseau (4500 collaborateurs) affichant de très bonnes performances, et dotée d'une excel...

Sales HIGH YIELD Not Disclosed . France-Paris 02 May 12

We are the Paris branch of a worldwide leader in Credit Brokerage, focusing on agency brokerage for end accoun...

Senior Firmenkundenbetreuer für den Bereich Firmenkundenbetreuung DZ BANK AG verhandelbar Germany-Baden Württemberg 16 May 12

HIER SIND SIE AM ZUG. Die DZ BANK ist die viertgrößte Bank in Deutschland und Zentralbank für mehr als 900 Vol...

Team Leader Credit Risk Funds team for a Top International Bank - | Based in Bavaria | Carlton RK excellent Germany-Bavaria 16 May 12

My client is a Top International Bank who is currently looking for a Team Head for their credit risk team to m...

Credit Product Controller's for Credit Team at a Top International bank | German Office; Bavaria | Carlton RK excellent Germany-Bavaria 16 May 12

My client is a Top International Bank who are currently searching for experienced product controllers within t...

(Senior) Kreditanalyst - Public Sector (m/w) Hays AG Deutschland Verhandelbar Germany-Bavaria 15 May 12

Unser Kunde zählt zu den international führenden Spezialbanken in der Immobilien- und Investitionsfinanzierung...

Mitarbeiter Quantitative Analytics – Pricing-Library (m/w) FMS Wertmanagement AöR verhandelbar Germany-Bavaria 15 May 12

Die FMS Wertmanagement übernahm zum 01. Oktober 2010 von der Hypo Real Estate Holding AG und deren unmittelbar...

Mitarbeiter Quantitative Analytics – Kreditrisikomodellierung (m/w) FMS Wertmanagement AöR verhandelbar Germany-Bavaria 15 May 12

Die FMS Wertmanagement übernahm zum 01. Oktober 2010 von der Hypo Real Estate Holding AG und deren unmittelbar...

Kreditorenbuchhalter (in) Gehrlicher Solar AG verhandelbar Germany-Bavaria 14 May 12

Die Gehrlicher Solar AG mit Hauptsitz im Großraum München ist einer der führenden Systemintegratoren der Photo...

Debitorenbuchhalter ( in ) Gehrlicher Solar AG verhandelbar Germany-Bavaria 14 May 12

Die Gehrlicher Solar AG mit Hauptsitz im Großraum München ist einer der führenden Systemintegratoren der Photo...

Team Leader Credit (m/f) TALENTspy GmbH Attractive Germany-Bavaria 09 May 12

Our client is an international bank and its business was founded around 1790. It is an industry leader focused...

Senior Credit Risk Analyst (m/f), Financial Institutions Kimberlite Consulting GmbH 60 000 - 80 000 € Germany-Bavaria 26 Apr 12

Für eine Bank aus München mit internationaler Holdingstruktur suche ich ab sofort einen Senior Credit Risk Ana...

Teamleiter Kreditorenbuchhaltung (w/m) Europa - Standort: Putzbrunn bei München W.L. Gore & Associates GmbH verhandelbar Germany-Bavaria 26 Apr 12

Innerhalb unseres European Accounting Service Centre (EASC), mit Sitz in Putzbrunn bei München, werden Sie als...

Research Assistant - Corporate Ratings (Auto / Cap Goods) - Frankfurt TheMcGraw-HillCompanies not disclosed Germany-Berlin / Brandenburg 15 May 12

See job description below

Credit Scoring analyst, Top Tier bank | Office in Hessen | Carlton RK excellent Germany-Hessen 16 May 12

My client is a Top Tier International bank based in Frankfurt, Germany who are currently searching for a Credi...

Relationship Manager - Global Banking - Corporate Clients Wells Fargo Competitive Germany-Hessen 11 May 12

Wells Fargo is seeking an experienced corporate banking Relationship Manager to be part of our expanding Frank...

Relationship Associate Wells Fargo Excellent Package Germany-Hessen 11 May 12

Wells Fargo & Company is a diversified financial services company providing banking, insurance, investments, m...

Analyst/Reporter (Credit & Rates) Bloomberg NA Germany-Hessen 14 May 12

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Prozessmanager (m/w) Credit Risk Management „Pfandbrief" – in Teilzeit Deutsche Bank AG verhandelbar Germany-Hessen 10 May 12

Leistung aus Leidenschaft ist das, was uns antreibt. Viel mehr als nur ein Slogan, sondern die Art, wie wir ha...

Senior Business Consultant (m/w) im Bereich Kreditgeschäft Firstwaters GmbH verhandelbar Germany-Hessen 09 May 12

Erfolg kommt nicht von ungefähr. Er ist das Ergebnis eines starken Teams, in dem jeder einzelne zählt. Wir suc...

Kreditspezialist (m/w) Deutsche Leasing Gruppe verhandelbar Germany-Hessen 23 Apr 12

Herausforderungen mit neuen Ideen angehen, durch Verantwortung Perspektive gewinnen, als Teil eines erfolgreic...

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