Junior Credit Analyst

You'll gain:

• Exposure to global lending teams and international markets
• Hands-on experience in credit analysis and risk assessment
• Opportunities to work with experienced managers and credit professionals
• A strong foundation for a long-term career in corporate banking and credit risk
• Experience supporting a diverse range of industries and client segments

What You'll Do

In this role, you will:

• Analyze financial statements, including Income Statements, Balance Sheets, and Cash Flow Statements, for public and private companies
• Input and maintain financial data in various credit analysis systems
• Review loan agreements and identify relevant borrower financial covenants
• Monitor covenant compliance and support ongoing lending activities
• Prepare reports on overdue ratings, covenant monitoring, and financial submissions for lending teams globally
• Conduct independent background research on industries and borrowers to support risk assessments
• Assist in determining appropriate risk ratings based on financial and qualitative analysis
• Support proactive identification of potential risks and emerging issues
• Collaborate with international stakeholders across multiple Wholesale Banking business lines, including Corporate Banking, Real Estate Finance, and Financial Institutions

Who We're Looking For

Qualifications

• Bachelor's degree in Business, Accounting, Finance, Economics, or a related field
• Candidates from other disciplines with strong accounting knowledge are encouraged to apply
• Fresh graduates and candidates with up to two years of relevant experience are welcome
• Experience in corporate lending, institutional lending, financial services, or credit-related functions is an advantage

Skills & Attributes

• Strong understanding of financial statements and financial analysis
• Excellent analytical and problem-solving abilities
• High attention to detail and commitment to accuracy
• Strong organizational and time-management skills
• Excellent written and verbal English communication skills
• Ability to work effectively with stakeholders from different countries and cultures
• Resourceful, proactive, and eager to learn
• Strong team player with a positive and collaborative mindset

What Success Looks Like

You thrive in this role if you:

• Enjoy analyzing financial information and identifying key insights
• Have a natural curiosity about businesses, industries, and economic trends
• Can balance accuracy, efficiency, and attention to detail
• Are motivated to develop expertise in lending, credit risk, and corporate banking
• Enjoy working in a fast-paced, international environment