Credit Analyst

Standard Bank Group; Douglas; Presencial; GBP 45 000 - 55 000; Tempo integral

Resumo da oferta

Standard Bank Offshore is seeking an experienced Credit Analyst to join its Risk team. You will manage a portfolio of counterparty credit risks across lending, trading and investment activities, and advise on credit matters for key stakeholders in the Isle of Man and affiliated offices.

The role emphasizes rigorous assessment of valuation assumptions, collateral structures and credit processes, with an emphasis on prudent risk management and alignment to risk appetite.

Qualificações

• 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.

Responsabilidades

• Critically assess valuation assumptions, sustainable cash flows, loan-to-value, debt-service and interest-cover metrics.
• 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.

Conhecimentos

Credit risk analysis

Cash flow assessment

Stakeholder management

Lending policy application

Financial statement analysis

Real estate/structured lending knowl

Formação académica

Degree in Finance, Accounting, Business Commerce

Descrição da oferta de emprego

Standard Bank Offshore is the offshore arm of the Standard Bank Group, a leading Africa focused financial services group, and an innovative player on the global stage. Our international Banking, Lending, Investment, Fiduciary and Wealth Management services offers a variety of career-enhancing opportunities - plus the chance to work alongside some of the sector's most talented, motivated professionals.

Our clients range from individuals to businesses of all sizes, high net worth families and large multinational corporates and institutions. We're passionate about creating growth in Africa and SBO is perfectly positioned to support the growth of our organisation from our office in the Isle of Man, Jersey, London, MAUs and South Africa. Bringing true, meaningful value to our clients and the communities we serve and creating a real sense of purpose for you.

Job Description

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.

Qualifications

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

• 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.
• Examining Information
• Making Decisions
• Checking Things
• Articulating Information
• Credit Delivery
• Legal Knowledge
• Loan Assessment & Approval

Additional Information

30 November 2026

Salary from £50,000

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