Credit Risk Analyst

Location - London (Hybrid working 3 days in the office)

Salary up to £60,000 + Bonus + Benefits


They are the fast-expanding London banking business operation of a global banking group. They have a focused strength in retail, commercial, private, and institutional banking. Due to internal progression within the team, they are looking for a proactive credit risk analyst to join their team of 10. You will be joining a banking group which specialises in providing industry-leading training and unparalleled investment within their staff. The role will be focused on new corporate lending proposals and credits of existing corporate loans and counterparties including syndicated parties.


  • Bachelor's degree in mathematics, economics, banking, finance, or related fields. (2.1 ideally)
  • 3 years' experience in credit risk within banking or related finance roles.
  • Strong Excel skills as you will be working with large amounts of financial data when making decisions regarding an applicant's loan request.
  • Knowledge of credit scoring models and risk assessment techniques.
  • Excellent verbal and written communication skills.
  • Should have Excel level Vlookup ideally and general Excel knowledge.


Reporting to the Head of Credit, the role will include the following:

  • Evaluate the creditworthiness of corporate customers applying for loans / other lines of credit.
  • Review financial statements, credit history, and economic conditions to determine a potential borrower's likely ability to meet interest payment obligations and repay the loan.
  • Analysing existing clients' payments and credit history to determine if credit lines should be extended, reduced, or closed.
  • Structuring loan agreements including determining interest rates, repayment schedules, and any covenants or conditions a borrower must meet.
  • Building and maintaining relationships with front office departments as well as loan documentation departments.
  • Review and recommend changes to credit strategy based on company policy and industry practices.
  • Provide credit memorandum reports to help the credit committee make well-informed decisions about whether to approve or decline credit applications and manage the overall credit risk exposure of the institution.
  • Other projects are assigned by the Head of Credit Risk from time to time.
  • On occasion attend meetings with the business unit in connection with credit-related cases

Please note the company will not provide sponsorship