Senior Credit Risk Analyst – Real Estate & Lending

Standard Bank Group; Douglas; On-site; GBP 45,000 - 55,000; Full time

Job summary

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.

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.

Responsibilities

• 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.

Skills

Credit risk analysis

Cash flow assessment

Stakeholder management

Lending policy application

Financial statement analysis

Real estate/structured lending knowl

Education

Degree in Finance, Accounting, Business Commerce

Job description

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.