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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 116 jobs
Portfolio Threat Mitigation Manager Royal Bank of Scotland Competitive plus 30% cash and benefits p... UK-Edinburgh 30 Apr 12

We have an opportunity for a Portfolio Threat Mitigation Manager to join our Credit Risk department, within ou...

RISK ANALYST – GLASGOW (ENTRY LEVEL – ASSISTANT VICE PRESIDENT) cer Financial £Negotiable UK-Glasgow 16 May 12

The risk function was formed in 2011 and is responsible for evaluating, monitoring and controlling Credit, Mar...

VP - Risk Management- Tier 1 Bank Grainger West £100000 - £120000 per annum UK-London 16 May 12

VP - Risk Management - Tier 1 Investment Bank - London - six figure package - mandate to build team with a glo...

Top British Bank Seeks Senior Credit Manager – Financial Institutions – Emerging Markets [London, UK] Selby Jennings £100-120k (not including benefits and bo... UK-London 16 May 12

This firm is seeking a highly experienced Credit Manager to carry out in-depth credit analysis and provide app...

Top British Investment Banks seeks CVA/PFE Quant Selby Jennings 70-90k Base salaries (plus bonus and exc... UK-London 16 May 12

This Top Global firm is seeking quantitative risk modellers to carry out CVA and PFE modelling for the Front O...

Global Fixed Income Sales Desk- (London & Singapore) City Wharf Financial Recruitment £60,000 -£150,000 + Excellent Comm UK-London 16 May 12

Our client is a well respected brokerage firm who is urengtly looking for experience candidates with at least ...

Credit Risk Quantitative Analyst Standard Chartered Bank NA UK-London 16 May 12

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Vice President Senior Analyst - Sub Sovereigns Moody's Investors Service Ltd Competitive UK-London 16 May 12

This is a highly important, visible, market facing and management role; the VPSA will regularly interact with ...

Credit Analyst, Real Estate Investments - Global Investment Fund Greenwich Partners Exceptional base and bonus UK-London 16 May 12

Top performing credit hedge fund is looking to add an analyst to focus on real estate investments

Credit Training Manager (1 Year Contract) Hays Financial Markets c£60,000 UK-London 16 May 12

Based out the London office but with an element of UK travel, this is a highly autonomous role reporting into ...

ABS Sales - Germany / France / Italy / Spain / Scandi Paul Mandel Recruitment Attractive Financial Package UK-London 16 May 12

We are looking for high quality Senior ABS Sales dedicated to European institutional clients (more urgently Fr...

IG Corporate & Financials Bond Sales UK, London Millar Associates To £600K+ UK-London 16 May 12

My client is a respected non-wall street US Bank & Asset Manager (c $80 Bn AUM, $5Bn Market Cap), building out...

Associate - Distressed Debt Fund One Search Ltd Market Compensation UK-London 16 May 12

Leading Distressed Debt Fund seeks Associate for London team

Senior Compliance Manager Hays Financial Markets £300 a day UK-London 16 May 12

Senior Compliance Manager - Northampton Contract opportunity

Credit Risk Modeller AVP Hays Financial Markets £50,000 plus exceptional benefits UK-London 16 May 12

Exciting opportunity to join this progressive credit risk model team within a premier global financial institu...

Credit Risk (regulatory)RWA Analyst Hays Financial Markets £400 to £550 Per Day UK-London 16 May 12

A global bank is seeking a Credit Risk specialist with solid exposure to RWA. The ideal candidate will need to...

Junior Counterparty Credit Analyst Threadneedle Excellent package + Great Career Progres... UK-London 16 May 12

Threadneedle Investments is a successful and growing company managing funds for pensions schemes, insurance co...

VP Investor Relations and Fund Raising, High Yield and Credit Fund Greenwich Partners Exceptional package UK-London 16 May 12

Superb opportunity to join this top high yield and credit fund in fund raising and investor relations

Associate - Distressed Fund (Spanish Speaking) One Search Ltd Market Compensation UK-London 16 May 12

This globally renowned fund requires a Spanish speaking bulge bracket associate to join their established and ...

Real Estate Associate (Distressed Debt) – Hedge Fund One Search Ltd Market Compensation UK-London 16 May 12

This globally renowned credit focused Hedge Fund requires a mid level associate to join their established Prop...

Financial Restructuring Associate – Leading Global Investment Bank One Search Ltd £80-90K base + all cash bonus UK-London 16 May 12

Our client is currently looking to appoint a new member to their award-winning financial restructuring advisor...

Financial Engineer PSD RISK £Attractive renumeration UK-London 16 May 12

Global Investment Bank have a new role as part of the continued strategic development of the Risk Analytics Gr...

Credit Analyst VP – Corporate Industries Hudson Banking Excellent base , bonus and very competit... UK-London 16 May 12

Global Investment Bank is looking for a Senior Credit Officer to look after a portfolio of Corporate counterpa...

VP - Credit Risk Reporting / Data Analysis Hudson Banking Competitive UK-London 16 May 12

Leading International Bank seeks experienced Credit Risk reporting professional with strong data analysis skil...

Java Developer / Senior Java Developer, Scala, Market Leading Investment bank Montash Limited Up to £120,000 + Bonus + Benefits UK-London 15 May 12

Montash Associates have been retained by a world leading Investment Bank, to assist in the search for and acqu...

Java Developer / Senior Java Developer, Low Level, Multithreading, Market Leading Investment bank Montash Limited Up to £120,000 + Bonus + Benefits UK-London 15 May 12

Montash Associates have been retained by a world leading Investment Bank, to assist in the search for and acqu...

Senior C# WPF Developer / Front Office C# WPF Technologist – Greenfield Credit eTrading Platform Build Project, Leading Investment Bank Montash Limited £80k - £120k + £Benefits + £Bonus UK-London 15 May 12

Montash Associates have been retained by a prestigious, industry leading Investment Bank, to assist in the acq...

Senior C# / Java Programmer / Senior C# / Java Application Developer - Greenfield Project, Leading Prop trading Firm Montash Limited Team Members up to £120k, Team Lead up t... UK-London 15 May 12

My clients, an industry leading Prop Trading House, require experienced developers with skills in C# .Net (WPF...

German Speaking Credit Analyst - Energy Corporates MC Partners Ltd. Competitive UK-London 15 May 12

German speaking (fluent) commodities credit analyst required for growing commodities house.

EMEA Country Risk Analyst - VP MC Partners Ltd. Competitive UK-London 15 May 12

Leading Investment Bank requires experienced country risk analyst for VP level role.

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