Head of Credit

Head of Credit

City of London

Hybrid (3/2 split)

Permanent

Up to £130,000

cer Financial are working alongside an international, warm and exciting bank, who are based in the City of London. They are seeking a Head of Credit to work with them on a permanent basis.

The responsibilities of the Head of Credit will include:

• • Prepare credit risk analysis reports for new, renewed, and complex credit facilities (individuals, corporates, banks, and financial institutions), including financial spreading and credit recommendations.
  • Portfolio consists of Real Estate, Project Finance, FI’s and general Corporates
  • Conduct quarterly IFRS 9 Expected Credit Loss analysis and climate risk assessments in line with bank policies.
  • Perform political, economic, and industry risk analysis; monitor assigned countries and sectors.
  • Review MIS reports to ensure effective exception controls.
  • Liaise with banks, credit agencies, and clients to obtain credit information and maintain updated borrower files.
  • Support client visits with Account Officers to assess operations and financial performance.
  • Maintain compliance with regulatory requirements, internal risk policies, and quality standards; report breaches and control gaps promptly.
  • Complete mandatory training and uphold FCA/PRA Code of Conduct standards.
  • Assist with special projects and fulfil crisis management/business continuity responsibilities as required.

The successful candidate will have:

• • Bachelor's Degree (BA, BBus or BSc) or related experience and/or training, or equivalent combination of education and experience.