Senior Credit Risk Analyst

KEY RESPONSIBILITIES

Credit Assessment & Decision Making

• Perform independent assessment of complex corporate financial institution and commodity trading counterparties.
• Perform in-depth financial analysis including liquidity leverage cash flow profitability and covenant assessments.
• Develop robust credit opinions and provide well-supported recommendations regarding ratings probability of default credit limits and risk appetite.
• Present and defend credit recommendations to senior management risk committees and other decision-making bodies.
• Independently manage large and strategically important counterparties with material exposure to MET Group.

Portfolio Risk Management

• Maintain ongoing oversight of a dedicated credit portfolio and proactively identify emerging risks and deterioration trends.
• Monitor exposure utilisation concentration risks industry developments and macroeconomic factors affecting portfolio quality.
• Perform portfolio reviews sector analyses and stress testing exercises to assess the impact of adverse market scenarios.
• Recommend and implement portfolio optimisation and risk mitigation strategies.

Structuring & Risk Mitigation

• Advise on structure and credit risk mitigation solutions including:
  • Parent company guarantees
  • Bank guarantees and letters of credit
  • Credit insurance
  • Cash collateral arrangements
  • Prepayment structures
  • Security agreements and other collateral solutions

Advanced Risk Analytics

• Perform exposure simulations and expected loss calculations using quantitative credit risk methodologies.
• Assess wrong-way risk concentration risk and stress scenario impacts.
• Contribute to the enhancement of internal credit models rating methodologies and credit risk frameworks.
• Support the development of portfolio analytics and risk reporting tools.

Stakeholder Management

• Act as a trusted advisor to Front Middle and Back Offices Treasury and other support functions.
• Challenge commercial proposals where appropriate while providing pragmatic risk solutions.
• Influence business decisions through risk-based recommendations and clear communication.
• Build strong working relationships with external stakeholders including banks insurers counterparties and industry peers.

Governance & Leadership

• Lead discussions in credit working groups approval committees and risk forums.
• Contribute to the continuous improvement of credit policies governance standards and risk management practices.
• Support internal projects related to systems processes automation and reporting enhancements.
• Mentor junior team members and contribute to knowledge-sharing initiatives within the credit organisation.

Distressed & Watchlist Management

• Identify early warning signals and oversee watchlist counterparties.
• Develop remediation strategies for deteriorating credits.
• Support restructuring discussions recovery efforts and workout situations in collaboration with Legal and Commercial teams.
• Participate in negotiations aimed at maximising recoveries and minimising losses.

Qualifications :

• University degree in Finance Economics Accounting Business Administration or a related discipline.
• CFA FRM or other relevant professional qualification would be considered an advantage.
• 58 years of experience in corporate credit risk counterparty risk structured finance commodity trading risk or banking risk disciplines.
• Demonstrated experience assessing large corporates trading houses utilities energy companies or financial institutions.
• Proven track record of owning complex credit approvals and managing significant credit exposures.
• Exposure to energy markets commodity trading or wholesale credit risk is a significant advantage.
• Strong understanding of financial statement analysis credit rating methodologies and risk modelling
• techniques.
• Experience with probability of default modelling stress testing and expected loss methodologies.
• Understanding of credit mitigants collateral structures and legal documentation.
• Experience with risk systems data analytics or BI tools would be advantageous.

Additional Information :

Remote Work :

No

Employment Type :

Full-time