Credit Analyst
Standard Bank Group · Bank
- All Credit Analyst jobs
- Risk Management
- Douglas, Isle of Man
- Grade Analyst
- Full-time
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
Essential
- 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.
Behavioural Competencies:
- Examining Information
- Making Decisions
- Checking Things
- Convincing People
- Articulating Information
Technical Competencies:
- Credit Delivery
- Legal Knowledge
- Loan Assessment & Approval
- Risk Reporting
Additional Information
Closing date
30 November 2026
Salary from £50,000
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- Mid-Senior Level
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