Job Description
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.