BANKING Credit Analyst with Mandarin-FTC in London

My client is seeking a motivated Assistant Credit Analyst to join their dynamic team in London. This role offers a fantastic chance to contribute to critical credit risk management processes while supporting the growth of corporate banking operations. If you have hands-on credit analysis experience in a banking environment and are eager to take the next step in your career, we want to hear from you.

Job Title: BANKING Credit Analyst with Mandarin-FTC

Location: City of London

Work style: 100% office based

Sector: Banking and financial services

Languages: Fluent Mandarin and English

Salary: ￡45,000-￡50,000

Responsibility:

Credit analysis & credit submissions

• Produce well-structured credit analysis and recommendations for a portfolio of corporate clients (annual reviews and new requests).
• Prepare credit applications, internal credit ratings and supporting analysis packs for Relationship Managers and Credit Committee processes.
• For transactions exceeding local approval authority, prepare materials to a standard suitable for both local and head-office credit committees, including bilingual documentation where required.
• Perform financial statement analysis, sector/peer research, and financial modelling to support credit decisions.

Portfolio monitoring & post-drawdown management

• Monitor credit portfolio performance and identify deterioration risks driven by counterparty-specific or broader market developments.
• Track and manage post-drawdown conditions including covenant monitoring, review timetables, waivers, and documentation/compliance follow-ups.
• Maintain robust diary controls to ensure timely reviews, covenant checks and escalation of key issues.

Limits, governance & controls

• Monitor adherence to approved credit limits and promptly escalate any material excesses to senior stakeholders.
• Support the maintenance and improvement of credit risk controls, systems and procedures to meet internal standards, regulatory expectations and external audit requirements.
• Maintain awareness of relevant UK and international credit market trends and events influencing credit quality.

Stakeholder partnership

• Act as a key partner to Relationship Managers and internal Risk colleagues to balance client development with effective risk management.
• Provide reliable, business-focused administrative and analytical support to help the department meet its objectives.

Requirement:

• 2+ years’ experience (or equivalent) producing and presenting credit analysis within a Commercial, Corporate, or Investment Banking environment.
• Strong technical credit capability including:
• Financial statement analysis
• Sector/market research
• Financial modelling
• Working knowledge of corporate banking products from a credit risk perspective (e.g., overdrafts, term loans, syndicated lending, cash management, guarantees, letters of credit).
• Excellent attention to detail, ability to work under pressure, and strong follow-through on outstanding items.
• Strong written and verbal communication skills with the ability to present analysis clearly and confidently.
• Educated to degree level.

Desirable (nice to have)

• Exposure to large corporate clients and multi-sector credit work (generalist approach).
• Formal credit or accounting qualifications (or progress towards).
• Mandarin (written and/or spoken), particularly for bilingual credit committee materials.