Credit Analyst, Commercial Banking

Role Overview

This role is responsible for evaluating Commercial Banking credit requests and keeping the bank’s exposure to credit risk within agreed limits. Most of the work centres on credit approval, with additional contributions to asset finance portfolio management and product digitalisation. By balancing disciplined underwriting with the bank’s growth objectives, the jobholder helps prevent losses and supports reliable service to commercial clients.

Key Responsibilities

• Review Commercial Banking loan applications and supporting documentation, checking each request against approved product criteria, credit policy, and underwriting standards.
• Complete credit underwriting in line with the bank’s credit strategy and broader growth plans, delivering reviews within set turnaround times and helping maintain portfolio migration and early vintage performance targets.
• Run World Check screening to identify adverse mentions, and escalate relevant findings to the Compliance Department.
• Monitor customer transactions and account conduct to assess ongoing risk profiles and detect changes that may affect credit quality.
• Manage Commercial Banking credit exposures within established risk appetite and standards, reducing the bank’s exposure to financial loss when borrowers fail to meet repayment or other credit obligations.
• Assess risks linked to individual transactions, products, security arrangements, and borrowers.
• Support review and assessment of Commercial Banking and asset finance products and portfolios, and recommend updates or changes to the product offering.
• Contribute to product digitalisation and system enhancement work, and take part in reviews of the Commercial Banking Product Manual and related processes.

Requirements & Qualifications

• At least four years of experience as a loan appraisal officer or in a comparable credit role.
• Strong knowledge of credit risk, financial analysis, and credit analysis techniques.
• Good presentation and analytical abilities.
• Effective communication and planning skills.
• Proven ability to collaborate with stakeholders across the bank and manage key working relationships.