Credit Analyst (Corporate & Investment Banking)

As a Credit Analyst, you will: Lead comprehensive credit reviews and monitor client credit risk continuously to affirm their creditworthiness while proactively identifying any risks or mitigants. Produce insightful and timely portfolio credit analyses, summarising key credit drivers and risk elements. Be responsible for accurately spreading financial information, assigning credit grades consistent with scorecard methodologies, and documenting client risk profiles with corresponding mitigations. Collaborate closely with Banking, Coverage, and Risk teams to develop, execute, and refine credit origination and monitoring processes. Conduct fraud risk assessments to the required standards, making sure residual risks and controls are thoroughly documented. Utilise credit intelligence to identify viable business opportunities aligned with an acceptable risk profile, supporting Relationship Managers and Product teams in product recommendation and solution design. Deliver credit analysis that considers broader market dynamics, economic trends, and client industry context, including: Assessment of industry risks and competitive positioning within these sectors. Examination of client funding strategies, financial policies, treasury functions such as hedging, and cash management practices. Detailed cash flow and liquidity analysis using ratio benchmarks and stress testing to evaluate balance sheet strength and vulnerability of earnings. Analysis of reputational risk, including assessment of environmental, social, and governance factors such as climate and sustainability risks. This multifaceted responsibility requires a proactive approach, strong analytical skills, and effective communication to influence strategic decision-making and safeguard the bank’s portfolio quality.