Senior Credit Analyst/Credit Analyst - Corporate & Institutional Banking - Banking/Financial Services

Job Title: Credit Analyst About this opportunity: This is an exciting opportunity to join a new team supporting Corporate & Institutional Banking (CIB) Credit colleagues in the UK-based Ringfenced Bank (RFB). You will play an important role in delivering high-quality credit analysis, portfolio monitoring and covenant review activity to UK credit teams, helping them to make well-informed risk decisions for corporate clients. The role operates within a clear service model where activities delivered by the team are directed and prioritised by UK colleagues. Credit sanctioning, client engagement and overall risk ownership remains with UK-based teams. What you will be doing: Credit analysis and recommendations: - Prepare credit analysis for counterparties and associated products, supporting Ring-Fenced Bank (RFB) and other relevant Credit teams. - Use financial information, sector insight and external sources such as rating agency reports, broker research and annual accounts to form clear, evidence-based recommendations. - Present your analysis through agreed templates for review by UK-based sanctioners, who retain all decision-making accountability. - Work collaboratively with UK Coverage colleagues to gather the information needed to progress credit requests, keeping UK colleagues updated through workflow trackers and regular work-in-progress discussions. Portfolio and excess monitoring: - Review live excesses across relevant systems and prepare recommendations for UK sanctioner review and approval. - Monitor an agreed portfolio of clients, identifying items that require review, follow-up or escalation. - Assess requests using available financial, credit and sector information, and provide clear rationale to support UK decision-making. - Proactively manage follow-up with UK Coverage colleagues to help ensure information is received in time to meet agreed service expectations. Covenant review and MI monitoring: - Review management information for your agreed client portfolio and assess covenant breaches or threshold triggers on behalf of relevant Credit teams. - Use reporting tools, including Power BI, to identify when new information has been received and requires review. - Highlight emerging risks, trends or concerns clearly and promptly to relevant UK Credit colleagues. - Where a covenant breach or threshold trigger is identified through workflow, assess the information available and prepare a recommendation for UK sanctioner approval. - Build effective working relationships with UK Coverage and Credit colleagues to support timely, accurate and well-controlled delivery. Why join us?: - Be part of a growing credit capability supporting important UK CIB Credit activity. - Gain exposure to corporate credit analysis, portfolio monitoring, covenant review and cross-location delivery. - Work in a collaborative environment where curiosity, accuracy, continuous improvement and responsible risk management are valued. What we are looking for: - Understanding of credit risk principles and financial statements, with a willingness to continue developing your technical knowledge. - Strong analytical capability and confidence interpreting financial information. - Knowledge of lending products is important; exposure to derivatives would be beneficial but is not essential. - Clear written and verbal communication skills, with the ability to explain analysis, ask effective questions and engage constructively with stakeholders. - A high level of accuracy, attention to detail and commitment to well-controlled delivery. - Ability to manage competing priorities and meet agreed deadlines. - A collaborative approach and the ability to build effective working relationships across locations and teams. - Curiosity, independent thinking, adaptability and a willingness to learn. - Working hours will need to align with UK operating hours to support effective collaboration with UK Credit colleagues and meet agreed service expectations.