Credit Risk Analyst

JCW Group; Brussel Hoofdstad; On-site; EUR 42,000 - 64,000; Full time

Job summary

JCW Group is seeking a Junior Credit Analyst in Brussels to join the growing credit team. You will assess new corporate lending deals before presenting them to the management committee.

Responsibilities include reviewing loans from a credit perspective, drafting concise credit papers with recommendations, querying deal teams, and monitoring the loan book for deterioration. English proficiency required; French or Dutch is a bonus.

Qualifications

• A degree in finance, economics or a related subject.
• 1–3 years' experience in credit analysis or corporate lending.
• Confidence reading financial statements and assessing cash flow and leverage.
• Working knowledge of loan documentation and covenants.
• Strong written and spoken English; French or Dutch is a bonus.
• Good organisation and attention to detail.

Responsibilities

• Review proposed loans from a credit perspective, examining the borrower, cash flows, structure and key documentation.
• Write clear, balanced credit papers with a firm recommendation.
• Ask the right questions of the deal teams and set conditions where needed.
• Work with Risk, Compliance, Treasury and Operations to keep deals moving.
• Monitor the existing loan book and flag early signs of deterioration.

Skills

Credit analysis

Financial statement analysis

Attention to detail

English communication

Analytical thinking

Education

Finance/Economics degree

Job description

A major international bank is growing its Brussels credit team and looking for a Junior Credit Analyst to join them. You'll be the independent voice on new corporate lending deals, assessing whether each one makes sense before it goes to the local management committee.

What you'll do

• Review proposed loans from a credit perspective, looking at the borrower, the cash flows, the structure and the key documentation
• Write clear, balanced credit papers with a firm recommendation
• Ask the right questions of the deal teams and set conditions where needed
• Work with Risk, Compliance, Treasury and Operations to keep deals moving
• Monitor the existing loan book and flag early signs of deterioration

What you'll bring

• A degree in finance, economics or a related subject
• 1–3 years' experience in credit analysis, credit risk or corporate lending, ideally in wholesale banking
• Confidence reading financial statements and building a view on cash flow and leverage
• A working knowledge of loan documentation and covenants
• Strong written and spoken English (French or Dutch is a bonus)
• Good organisation, attention to detail and the confidence to challenge

Why apply

This is a chance to build broad credit judgement across a varied corporate portfolio, with direct exposure to senior decision-makers and every part of the bank's control framework. You'll get the stability of a global institution with a small, close-knit local team.