Credit Analyst - Risk Team

About the role

Standard Bank Offshore, the offshore arm of the Standard Bank Group, is looking for an experienced Credit Analyst to join its Risk team. The postholder manages a portfolio of counterparty credit risks linked to lending, trading and investment activities, assessing, monitoring and managing credit risk within approved risk appetite.

Key responsibilities

• Critically assess valuation assumptions, sustainable cash flows, loan-to-value, debt-service and interest-cover metrics, lease profile, tenant quality, vacancy, break options and marketability.
• Design or challenge security packages, guarantees, cessions, mortgage or other collateral arrangements, intercreditor terms and enforcement priorities.
• Make credit decisions and recommendations in line with lending policies, regulatory requirements and sound credit risk principles.
• Identify and mitigate credit risks through security structures, facility conditions and ongoing portfolio monitoring.
• Build strong relationships with business stakeholders and act as a trusted advisor on credit matters.

Required profile

• Degree in Finance, Accounting, Business Commerce or a related discipline.
• 5-7 years' experience in credit assessment, credit risk decisioning and lending within banking or financial services.
• Strong understanding of financial statements, repayment structures, collateral management and credit processes.
• Advantageous: real estate (ideally UK), property finance or structured lending education.

Required skills

• Behavioural competencies: examining information, making decisions, checking things, convincing people, articulating information.
• Technical competencies: credit delivery, legal knowledge, loan assessment and approval, risk reporting.

The closing date is 30 November 2026. Salary starts from GBP 50,000.