At a Glance
- Tasks: Analyse credit risks and support decision-making in leveraged finance transactions.
- Company: Join UBS, a global leader in wealth management and investment banking.
- Benefits: Flexible working options, supportive team culture, and opportunities for growth.
- Other info: Embrace AI to enhance workflows in a dynamic and inclusive environment.
- Why this job: Make an impact in financial analysis while collaborating with diverse teams.
- Qualifications: Bachelor’s degree in finance or related field; strong analytical skills required.
The predicted salary is between 51750 - 63250 £ per year.
Your role
Are you someone who enjoys financial analysis and detecting potential risks in live M&A transactions? Do you like working in an environment where empowerment, challenge and excellence are highly valued? We are looking for someone like this to:
- be a Credit Analyst for Leveraged finance transactions: be involved alongside the Credit Officer in the underwriting, recommendations and the decision making processes
- independently analyze credit risks and engage with the front office to ensure transactions are consistent with UBS's underwriting risk appetite
- show the ability to work autonomously through the extensive Due Diligence process, identifying key business drivers, specific risk issues, actively challenging during due diligence calls, and highlighting any information gaps to the business teams
- perform fundamental financial analysis for prospective leveraged transactions and corporate borrower's (covering financial, commercial, legal, tax, environmental & structuring)
- demonstrate full understanding of financial modelling, working on the production of Base and Downside cases ensuring that they reflect all key drivers and the due diligence findings
- contribute actively to a written credit memo for CRC Senior Management
- assign risk ratings and loss given default designation, prepare reporting deliverables to track limit utilization
- review loan documentation to ensure that it corresponds with internal approvals and adequately covers all transaction risks.
Your team
The IB CRC Credit Risk Control team is responsible for independently assessing transaction risks, for constructively challenging all diligence work and financial modelling produced by the front office and for monitoring and controlling all risks in the IB loan portfolio. The team serves as the firm’s second line of defense and is charged with independently assessing all risks associated with the origination, distribution and retained portfolio of corporate and leveraged finance transactions. It is directly responsible for assigning risk ratings and for ensuring our analytical standards are in compliance with regulatory expectations.
Your expertise
- a Bachelor’s Degree in a relevant area of concentration and/or some level of formal credit training. No CFA required but level 1 or 2 would be viewed favorably
- strong knowledge of financial accounting concepts
- ideally relevant working experience in a leveraged finance transaction environment
- computer proficiency required in Excel, Word and PowerPoint.
- strong oral and written communication skills
You are:
- a strong collaborator and confident communicator
- open to learning numerous applications specific to the Risk function
- willing to provide flexibility to support business priorities and key deliverables, which may include working evenings and weekends to meet business needs
- curious to explore how AI can improve how we build, deliver, and optimize workflows. You do this with sound judgment – validating outputs and aligning with policies, risk standards, and ethical use.
About us
UBS is a leading and truly global wealth manager and the leading universal bank in Switzerland. We also provide diversified asset management solutions and focused investment banking capabilities. Headquartered in Zurich, Switzerland, UBS is present in more than 50 markets around the globe.
We know that great work is never done alone. That’s why we place collaboration at the heart of everything we do. Because together, we’re more than ourselves.
How we hire
We may request you to complete one or more assessments during the application process. Learn more.
Join us
At UBS, we know that it's our people, with their diverse skills, experiences and backgrounds, who drive our ongoing success. We’re dedicated to our craft and passionate about putting our people first, with new challenges, a supportive team, opportunities to grow and flexible working options when possible. Our inclusive culture brings out the best in our employees, wherever they are on their career journey. And we use artificial intelligence (AI) to work smarter and more efficiently. We also recognize that great work is never done alone. That’s why collaboration is at the heart of everything we do. Because together, we’re more than ourselves.
We’re committed to disability inclusion and if you need reasonable accommodation/adjustments throughout our recruitment process, you can always contact us.
Contact Details
UBS Business Solutions SA
UBS Recruiting
Disclaimer / Policy statements
UBS is an Equal Opportunity Employer. We respect and seek to empower each individual and support the diverse cultures, perspectives, skills and experiences within our workforce.
Credit Analyst - Commercial Lending in London employer: UBS
UBS is an excellent employer for a FX Quantitative Analyst in London, offering a dynamic work culture that fosters collaboration and innovation. Employees benefit from comprehensive professional development opportunities and the chance to engage with diverse stakeholders, ensuring meaningful contributions to high-impact projects in the fast-paced world of finance.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Analyst - Commercial Lending in London
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
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Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
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Don’t shy away from reaching out directly to firms like UBS. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Credit Analyst - Commercial Lending in London
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to UBS.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on UBS's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at UBS
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with UBS.
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✨Show Your Passion for Finance
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✨Network with Industry Professionals
Before your interview, reach out to current or former UBS employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
