Credit Analyst

We are seeking an experienced Credit Analyst to join our Risk team who will be responsible for managing a portfolio of counterparty credit risks associated with lending, trading and investment activities. The successful candidate will play a key role in assessing, monitoring and managing credit risk within approved risk appetite.

Key outputs

• Critically assess valuation assumptions, sustainable cash flows, loan-to-value, debt-service and interest-cover metrics, lease profile, tenant quality, vacancy, break options and marketability.
• Design or challenge fit-for-purpose security packages, guarantees, cessions, mortgage or other collateral arrangements, intercreditor terms and enforcement priorities.
• Make credit decisions and recommendations in line with applicable lending policies, regulatory requirements and sound credit risk principles.
• Identify and mitigate credit risks through appropriate security structures, facility conditions and ongoing portfolio monitoring.
• Build strong relationships with business stakeholders and act as a trusted advisor on credit matters.

Qualifications

Essential

• Degree in Finance, Accounting, Business Commerce or a related discipline.
• 5-7 years' experience in credit assessment, credit risk decisioning and lending within banking or financial services.
• Strong understanding of financial statements, repayment structures, collateral management and credit processes.

Advantageous

• Real estate (ideally UK), property finance or structured lending education.

Behavioural Competencies:

• Examining Information
• Making Decisions
• Checking Things
• Convincing People
• Articulating Information

Technical Competencies:

• Credit Delivery
• Legal Knowledge
• Loan Assessment & Approval
• Risk Reporting

Closing date

30 November 2026

Salary from £50,000

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