2027 BNY Analyst Program – Credit & Lending ( London)

targetjobs UK; Greater London; On-site; GBP 30,000 - 40,000; Full time

Job summary

BNY Mellon invites ambitious undergraduates to join its 24-month Credit Analyst Program in London. You will gain hands-on exposure to credit analysis, underwriting, portfolio monitoring and process improvement through strategic projects.

Participants work on financial statement reviews, risk assessments and transaction support while developing judgment and collaboration skills in a fast-paced financial services environment.

Qualifications

• Strong analytical ability to assess financial statements and industry trends.
• Understanding of credit risk concepts and lending lifecycle.
• Ability to support deal structuring and underwriting decisions.
• Demonstrated regulatory awareness and risk management mindset.
• Enrollment in a relevant undergraduate program and expected graduation in 2027.

Responsibilities

• Analyze company financials, industry trends, and key risk indicators to support borrower and transaction assessments.
• Assist with credit materials, portfolio reviews, and reporting to monitor exposures.
• Learn how deal structures are built and how lending decisions balance growth, risk, and client needs.
• Partner with experienced professionals to support disciplined underwriting and client relationships.

Skills

Financial statement analysis

Credit risk assessment

Analytical judgment

Underwriting fundamentals

Deal structuring basics

Regulatory awareness

Education

Undergraduate degree program (business/technology)

Graduating in Summer 2027

Minimum 2:1 or higher

Does not require sponsorship for employment visa status

Job description

BNY’s Credit and Lending Practice plays a key role in supporting client financing needs while maintaining strong credit discipline and risk management across the firm. The Credit Analyst Program offers driven students hands-on exposure to the practice through strategic projects aligned to credit analysis, underwriting, portfolio monitoring, transaction support and process improvement. In a fast-paced environment, analysts will gain insight into the credit lifecycle, support financial analysis, reporting and documentation, and build an understanding of lending fundamentals, credit risk and the role sound judgment and partnership play in effective credit decisions.

What you will do

• Analyze company financials, industry trends, and key risk indicators to support borrower and transaction assessments.
• Assist with credit materials, portfolio reviews, and reporting that help teams evaluate opportunities and monitor exposures.
• Learn how deal structures are built and how lending decisions balance growth, risk, and client needs.
• Partner with experienced professionals to understand how disciplined underwriting supports resilient client relationships.

Skills you will build

• Financial statement and ratio analysis
• Credit and risk assessment
• Analytical judgment and structured problem solving
• Underwriting and deal-structuring fundamentals
• Regulatory and risk-awareness mindset

Impact you will have at BNY

• Support informed lending decisions that are grounded in analysis and sound risk management.
• Help teams monitor portfolio health and surface insights that matter to decision-makers.
• See how finance and risk disciplines enable BNY to serve clients responsibly.

Why this could be a fit for you This role is ideal if you enjoy digging into the "why" behind numbers, making evidence-based recommendations, and building finance skills with clear real-world relevance.

Analyst Program

Our 24-month rotational Analyst Program is designed to set you up for success from day one. New joiners take part in a structured induction experience to help them assimilate into BNY, learn about the organization, connect with peers and leaders, and build the core skills needed to navigate their early career with confidence.

From day one, analysts are immersed in BNY's collaborative and innovative culture through:

• Enterprise-wide onboarding and development programming, including an in person immersive induction experience, executive speaker series, skill development, and networking opportunities.
• Meaningful project work aligned to key business practices and platforms, providing hands-on experience, skill development, and real-world business impact.
• Structured mentorship and career support from managers, senior leaders, peer mentors, business stakeholders, and dedicated program managers.
• Exposure across practices, platforms, and teams, building a broad understanding of BNY's integrated business model.
• Professional, technical, and financial services training designed to strengthen business acumen and prepare participants for long-term career success.
• A premier early-career experience, backed by senior leadership and designed to develop the next generation of talent for BNY's global workforce.

Program Eligibility

• Enrollment in a 3 or 4-year undergraduate degree program with a strong focus on business-related and/or technology-related degrees preferred
• Graduating in Summer 2027
• Minimum 2:1 or Higher
• Does not require sponsorship for employment visa status (now or in the future) in the countrywhere applying.