Credit Analyst - London International Bank

An excellent opportunity has arisen for an experienced Credit Analyst to join the Credit function of a leading international bank within its London office. The successful candidate will be responsible for undertaking comprehensive credit analysis across a diverse lending portfolio, including:

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• Corporate and commercial borrowers
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• Commercial real estate transactions
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• Private banking and retail facilities secured against property
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• Banks and other financial institutions
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Working closely with Relationship Directors, business development teams and senior credit stakeholders, the Credit Analyst will assess new lending proposals, annual reviews, facility renewals and amendments, providing clear, well-supported recommendations to the relevant credit approval authorities.

Key Responsibilities

Credit Analysis and Underwriting

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• Review credit applications originated by the Bank’s Corporate, Commercial Real Estate, Private Banking, Retail Banking and Financial Institutions business areas.
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• Undertake detailed credit risk assessments for new lending proposals, facility renewals, amendments and annual reviews.
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• Prepare high-quality written credit reports and recommendations for individuals, corporate borrowers, public-sector organisations, banks and other financial institutions.
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• Analyse the financial position, performance, funding requirements and repayment capacity of corporate and non-corporate borrowers.
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• Spread and interpret financial statements, management accounts, cash flow information and financial projections.
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• Prepare or assess cash flow forecasts, sensitivity analyses and stress-testing scenarios where required.
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• Evaluate transaction structures, sources of repayment, security packages, guarantees, collateral coverage and key credit risks.
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• Review commercial real estate lending proposals, including transactions supported by property assets or mortgage security.
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• Assess private banking and retail lending applications where facilities are secured against property or other assets.
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• Review external credit reports, covenant compliance certificates, valuations, legal documentation and other supporting information.
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• Assign and maintain appropriate internal credit ratings in accordance with the Bank’s credit methodology.
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• Ensure credit recommendations are clearly evidenced, commercially considered and aligned with the Bank’s credit risk appetite, policies and procedures.
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Portfolio Monitoring and Annual Reviews

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• Complete annual and interim credit reviews for corporate borrowers, non-corporate customers, banks and other financial institutions within agreed timescales.
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• Monitor borrower performance, covenant compliance, facility utilisation, repayment behaviour and emerging credit risks.
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• Prepare monthly portfolio reports, watchlist updates, exception reports and other management information.
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• Identify deteriorating credit quality, emerging risks or potential early-warning indicators and escalate concerns promptly.
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• Maintain accurate and up-to-date borrower files, financial information, credit records and supporting documentation.
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• Review management information produced for the Credit function to ensure that exceptions, overdue reviews and control issues are appropriately identified and managed.
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Stakeholder Management

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• Work closely with Relationship Directors and Account Officers to understand customers, transaction structures and lending requirements.
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• Support business development teams in structuring credit proposals and addressing credit-related queries.
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• Provide credit analysis and supporting information to Credit Committees and other approval authorities.
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• Attend customer meetings and site visits alongside Relationship Directors or Account Officers where appropriate.
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• Liaise with Treasury, Trade Finance, Finance, Legal, Operations, Compliance and other internal stakeholders.
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• Communicate credit decisions, conditions and information requirements clearly and constructively.
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• Contribute to the continuous improvement of credit processes, reporting standards, service levels and departmental controls.
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Skills and Experience

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• Previous experience in credit analysis, credit underwriting or credit risk within a bank or regulated financial institution.
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• Strong financial statement analysis and financial modelling capabilities.
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• Experience assessing corporate lending applications and completing annual credit reviews.
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• Exposure to one or more of the following would be advantageous:
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• Corporate and commercial lending
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• Commercial real estate finance
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• Private banking or asset-backed lending
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• Banks and financial institutions
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• Ability to assess complex financial information and present clear, concise and commercially balanced credit recommendations.
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• Good understanding of credit structures, security, covenants, internal credit ratings and portfolio monitoring.
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• Strong written and verbal communication skills.
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• Excellent attention to detail, organisation and time management.
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• Ability to manage multiple credit submissions and annual reviews within agreed deadlines.
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• A relevant degree, banking qualification, accountancy qualification or credit-related professional qualification would be advantageous.
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