Trainee Credit Analyst - Graduate in Chester

We are delighted to be able to offer 2 exciting Graduate opportunities within the Credit & Risk Team! The Trainee Credit Analyst is an important role within the Bank’s Credit Risk Team, who support safe and sustainable lending to the Bank’s customers in this critical sector of the economy.

Working across the entire life cycle of a customer (and loan), from initial appraisal and underwriting through to funding and in-life monitoring and repayment. It’s a role where you can add a lot of value to the team, to the Bank and to our customers.

There is significant potential to grow your career, starting on smaller value loans and moving up to larger more complex lending across a wide range of subsectors with training and support along the way.

Role Responsibilities:

• Assist with the implementation of the credit lending strategy of the Bank in line with the Board’s risk appetite, credit risk policies, and corporate governance, ensure the Board’s expectations for levels of professional conduct and integrity and ethical values are respected throughout Credit Risk, promote good behaviour and setting an example in this regard.
• Help to maintain robust lending standards and practice, including compliance with industry guidelines and statutory regulations requirements such as customer affordability, PRA/FCA’s Statements of Principles, treating customers fairly, anti-money laundering and data protection.
• Work with colleagues to implement Credit Risk, Board and Committee decisions whilst making valuable individual contribution as a member of the Oxbury team.
• Work within your personal sanctioning authority with diligence and care and prepare papers for those transactions requiring higher authority decisioning, e.g. a Credit Manager, Senior Credit Manager or Head of Credit decision.
• Review existing transactions periodically to include the evaluation of payment history, purchase activity, credit reference agency reports, security analysis, market / distributor intelligence and prepare recommendations for the renewal of internal credit ratings / facilities.
• Ensure that all transactions presented to risk for pay-out meet the appropriate credit sanction and/or credit limit issued, that all documentation has been obtained, any conditionality satisfied, and any security requirement properly executed and recorded.
• Monitor default activity, and if required, participate in recoveries cases for the Bank.
• Liaise with sales, internal sales support or operations as necessary to optimise the customer experience.
• Participate in ongoing personal development to deliver on business/personal objectives.

Required skills/experience:

• Academic background in a numerate or scientific discipline or equivalent work experience appropriate to the role.
• Good analytical skills.
• Credit risk experience and/or Agricultural knowledge.
• The ability to analyse and interpret financial statements/data from a variety of sources.
• A self-starter who is motivated, enthusiastic, curious and proactive with a strong work ethic and a flexible attitude.
• A team player with excellent interpersonal and communication skills and an ability to work effectively with a wide range of colleagues.
• Detail focused, and an ability to work within risk appetite and risk management frameworks.
• The ability to learn and understand compliance and banking regulations including Conduct Risk and how to deliver fair customer outcomes.
• Ability to use appropriate Lending systems and knowledge of Credit Reference Agencies products.
• Good Microsoft Word, Excel and reporting skills.
• Inspires respect, trust and commitment to business objectives.
• Ability to develop working relationships with Oxbury colleagues.
• Demonstrates sound business/professional judgement, risk awareness, and common sense.
• Organised with an attention to detail; works well under pressure, to tight deadlines; can prioritise.
• Ability to communicate effectively both orally and in writing.
• Good influencing skills and the ability to package and present ideas and gain agreement from peers.

We are Oxbury: The only UK bank dedicated to British agriculture. Founded by farmers, bankers, and technologists, we have combined the worlds of financial services, technology, and agriculture to provide bespoke financial products to support the rural economy.

Alongside this we can offer you:

• 25 days holiday, plus 8 days bank holiday (this increases with service).
• Oxbury Bonus scheme.
• Free gym and Personal Training session every week.
• Private Medical Healthcare.
• Employee Assistance Programme.
• Life Insurance.
• Enhanced maternity/paternity leave.

Friday 20th November 2026

mid-December 2026

Please note that we do not offer sponsorship with this role.

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