Senior Credit Analyst (NBFI) - Banking

Senior Credit Analyst (NBFI) – UK Banking

Location: London, United Kingdom

Contract: Permanent

Hybrid: 1 day at home

Start: ASAP

Report to: Head of Credit Risk Department

Requirements

• Extensive credit analyst experience within NBFI banking
• UK banking experience

Responsibilities

• Provide credit evaluation report for various credit products, including an overview of transactions, financial and non‑financial risk analysis, key risks identified with associated mitigation measures, and a credit recommendation (including suggested credit enhancement and management conditions). Assist with the implementation of credit risk appetite, credit policies and procedures and management processes once established, ensuring compliance with credit policies.
• Focus on NBFI business and may also cover other sector credit business based on proposals from the front office.
• Challenge and guide proposals from the front office; draft and present credit opinions to the Credit Committee, maintaining an objective and independent view within the credit process in accordance with bank credit policies. Achieve timely turnaround of credit proposals and reviews per departmental objectives.
• Provide the Head of CRD and DGM (credit) and the credit committee with professional risk analysis and suitable mitigation measures in a timely manner.
• Conduct post‑lending management work, including monitoring credit ceilings and exposures to ensure loans perform well with covenants maintained; monitoring borrower financial performance and market/industry dynamics; and ensuring all conditions are met throughout the loan life.
• Perform credit review and research of industry/customer‑related information for all new proposals and, on an annual basis, for existing customers.
• Proactively monitor industry and sector trends and counterparty risks for early warning signals.

Skills

• Minimum 8‑10 years’ experience in credit review within the NBFI sector
• In‑depth knowledge of risks and mitigations across industries, countries, and client types; strong business and economic know‑how; excellent financial analysis, projection, and stress‑test skills.
• Exceptional analytical and negotiation skills; dedicated problem solver with a positive, can‑do attitude.
• Collaborative personality and ability to complete tasks independently.

We would be grateful if you could send your CV as a Word document. If your application is successful, you will be contacted within 7 days. We regret that, due to the high volume of applications we receive, we cannot provide feedback on individual CVs. Please note we only consider candidates who are eligible to work in the UK and can provide relevant supporting documentation.

People First is committed to increasing diversity and maintaining an inclusive workplace culture. We welcome applications from all qualified candidates regardless of ethnicity, race, gender, religious beliefs, sexual orientation, age, marital status or disability.