Credit Risk Analyst

Empresaria Group plc; Greater London; Hybrid; GBP 60,000 - 75,000; Full time

Job summary

Join a dynamic and fast-growing London-based bank as a Credit Risk Analyst. This pivotal role offers the chance to work closely with senior stakeholders and shape the bank's credit risk framework. You'll review credit applications, evaluate risks, and ensure compliance with regulations while being part of a high-impact team reporting directly to the Chief Risk Officer. Enjoy a hybrid working model with flexibility, and contribute to the evolution of the bank's credit risk governance in a collaborative environment where your expertise will be valued.

Benefits

Hybrid working model

Collaborative environment

Direct reporting to Chief Risk Officer

Qualifications

• 5-8 years of experience in credit risk, especially in trade finance.
• Strong credit underwriting and structured finance expertise.

Responsibilities

• Review and assess credit applications and analyze financial statements.
• Collaborate with stakeholders on new deal structures and risk control solutions.

Skills

Credit Risk Analysis

Analytical Skills

Communication Skills

Attention to Detail

Structured Finance Expertise

Education

Bachelor's Degree in Finance or related field

Tools

Excel

Job description

Direct message the job poster from Empresaria Group plc

Account Manager @ LMA | Freelance Recruiter & Coach |Risk Specialist: Credit, Market, Op, Treasury, Regulatory, AML, ESG, Model & Enterprise Risk…

Location: London (Hybrid Working – 3 Days in Office)

Level: Executive Officer

Are you an experienced credit risk professional looking to make your mark in a dynamic and fast-growing London-based bank? We are seeking a Credit Risk Analyst to join our expanding Risk Management team and take ownership of our Credit Risk 2nd Line of Defence (2LoD) Oversight function.

This newly created role offers a fantastic opportunity to work closely with senior stakeholders and help shape the bank’s credit risk framework. If you have a background in asset finance or trade finance and a passion for maintaining strong credit standards, we’d love to hear from you.

What You’ll Be Doing

• Review and assess credit applications from the front office (1LoD), analysing financial statements and risk factors.
• Evaluate sector, environmental and business risks for proposed transactions.
• Support and improve the bank’s risk profile through robust credit guidelines and policy alignment.
• Ensure transactions meet credit sanction and documentation standards.
• Partner with key stakeholders on new deal structures, policy exceptions, and risk control solutions.
• Monitor covenants and proactively identify early warning signs in the loan portfolio.
• Collaborate with other risk disciplines to ensure a holistic, enterprise-wide risk view.
• Maintain an updated credit watchlist and support IFRS 9 provision reporting.
• Prepare and present regular reports to the Credit Risk Committee (CRECO).
• Draft minutes for Credit Committee meetings.
• Ensure compliance with Consumer Duty regulations and maintain a customer-first approach.

What We’re Looking For

• 5–8 years’ experience in credit risk, with exposure to trade finance
• Strong credit underwriting and structured finance expertise.
• Knowledge of key trade instruments and associated risks.
• A self-starter with strong analytical skills, attention to detail, and business acumen.
• Excellent communication and interpersonal skills to influence and align with business goals.
• Proven ability to operate effectively under pressure in a time-sensitive environment.
• Legal documentation experience is a plus.
• Proficiency in Excel and a strong understanding of MI and EOD reports.
• Mortgage market experience is desirable but not essential.

Why Join Us?

• Be part of a small, high-impact team reporting directly to the Chief Risk Officer.
• Work in a collaborative, flexible environment where your voice is heard.
• Contribute to the evolution of the bank’s credit risk governance in a role with visibility and influence.
• Hybrid working model with three days in the office and flexibility for remote work.
• Salary up to £75,000.00 Per Annum.

This is a unique chance to step into a pivotal role at a boutique institution that values initiative, expertise, and a proactive approach to risk.

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Quality Assurance, Analyst, and Finance

• Industries

  Banking and Financial Services

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