1. OVERVIEW

Role:

Credit Analyst

Business area:

Corporate Banking

Location:

London

Reports to:

Head of Corporate Banking

Grading:

Manager

No. of Subordinates:

0

2. ROLE SUMMARY

This is a front office role, to complete credit risk assessments, support marketing when necessary, and backup for local business relationship manager. Responsible for undertaking the credit and risk monitoring of the portfolio of Corporate Clients.

In addition to the responsibilities summarised above you are required to comply at all times with the Conduct Rules set out in the FCA Handbook and the PRA Rulebook. These are listed below. The rules apply to you by virtue of your employment with Agricultural Bank of China Limited London Branch and the nature of your role.

Rule 1

You must act with integrity.

Rule 2

You must act with due skill, care and diligence.

Rule 3

You must be open and cooperative with the FCA, the PRA and other regulators.

Rule 4

You must pay due regard to the interests of customers and treat them fairly.

Rule 5

You must observe proper standards of market conduct.

3. ROLE RESPONSIBILITIES

Credit Analysis:

1) Preparation of credit proposal to be submitted to ABCLB’s Credit Committee inclusive of complete analysis in connection with new and existing transactions related to companies of the corporate portfolio and also for potential new counterparties and customers.

2) Complete Analysis includes, but is not limited to, detailed and in-depth review of corporate historical economic operating results and financial position through the analysis of P&L, Balance Sheet, Cash Flow statement and full set of ratios analysis.

3) To prepare annual/interim reviews, post lending report and be responsible for managing and monitoring the existing portfolio of local clients, ensuring all reporting deadlines are met and the compliance certificates are received.

4) Assign or update a rating of customer..

5) Assess and comment on facility documentation.

6) Reviewing all waiver requests and financial reporting information.

7) To liaise with internal as well as external parties to ensure all necessary documentation for local drawdown, calculations and payment of principal and interest roll-over date and loan settlement details are received and verified accordingly; report any late payments in connection with department related matters to the Head immediately;

8) Update the department product procedure with authorised changes and to recommend amendments where necessary in order that the manual reflects current policy and procedures;

9) Credit document filing.

Support Marketing:

10) To work with and support head of department and other staff of the team in the acquisition of new business.

11) To work with the On boarding Team to complete Customer Due Diligence/Know Your Customer requirements and be responsible for managing and monitoring client relationships to identify any AML-CTF threats to ABCLB.

4. COMMITTEE AND GOVERNANCE RESPONSIBILITIES

As Credit Analyst you may have certain governance and committee responsibilities that you are required to discharge as part of your employment with the Bank. These are set out in the respective Committee Terms of Reference, which can be found on the Bank’s shared drive.

5. OTHER RESPONSIBILITIES

You are required to comply at all times with your contract of employment and all policies, procedures, rules, guidelines handbooks and similar documents applicable to you as an employee of Agricultural Bank of China Limited London Branch.