Senior Credit Risk & Lending Analyst

Standard Bank Group; Saint Helier; On-site; GBP 65,000 - 90,000; Full time

Job summary

Standard Bank Offshore is seeking an experienced Credit Analyst to join the Risk team, managing a portfolio of counterparty credit risks across lending, trading and investment activities. You will assess, monitor and manage credit risk within approved risk appetite.

Qualifications include a Finance/Accounting designation and 5–7 years in credit risk decisioning within banking, with strong financial statement analysis and collateral management knowledge.

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, 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.

Skills

Credit risk assessment

Valuation analysis

Financial statement reading

Credit risk decisioning

Stakeholder management

Education

Finance/Accounting/Business degree

Tools

Credit risk policies

Lending frameworks

Job description

Standard Bank Offshore is seeking an experienced Credit Analyst to join the Risk team, managing a portfolio of counterparty credit risks across lending, trading and investment activities. You will assess, monitor and manage credit risk within approved risk appetite.

Qualifications include a Finance/Accounting designation and 5–7 years in credit risk decisioning within banking, with strong financial statement analysis and collateral management knowledge.