MW Recruitment

Our client is a leading international financial services organisation seeking an experienced Senior Credit Analyst - NBFI to join its Credit Risk function. This role plays a key part in assessing, managing and monitoring credit risk exposures, with a primary focus on Non-Bank Financial Institutions, within a regulated banking environment. Role Purpose The role is responsible for minimising credit-related losses by identifying, assessing and measuring credit risks and mitigants across new proposals and existing portfolios. The Senior Credit Analyst provides independent, well-reasoned credit recommendations to senior management and Credit Committee, ensuring all decisions align with established credit policies, risk appetite and regulatory expectations. Key Responsibilities • Prepare detailed credit evaluation reports covering transaction overview, financial and non-financial risk analysis, key risks, mitigants and clear credit recommendations • Support the implementation and ongoing application of credit risk appetite, credit policies and credit governance frameworks • Ensure all credit proposals and transactions comply with internal credit policies and procedures • Primarily cover NBFI counterparties, with flexibility to assess other sectors as required • Provide effective challenge and constructive guidance to Front Office proposals while maintaining independence within the credit process • Draft and present credit opinions to Credit Committee in a clear, concise and timely manner • Deliver professional risk analysis and mitigation strategies to senior credit stakeholders • Undertake post-lending credit management, including - Monitoring credit limits, exposures and covenant compliance - Ongoing financial performance analysis of counterparties - Tracking conditions precedent and conditions subsequent throughout the loan lifecycle • Conduct credit reviews and sector research for new proposals and existing counterparties on at least an annual basis • Monitor industry, sector and counterparty trends to identify early warning signals • Contribute to ad-hoc credit risk tasks and initiatives as directed by senior credit management Skills and Experience • Minimum of 8-10 years' experience in credit analysis, with a strong focus on NBFI counterparties • In-depth understanding of credit risk, mitigants and structures across multiple industries, jurisdictions and counterparty types • Strong financial analysis capability, including forecasting, stress testing and sensitivity analysis This position offers the opportunity to work within a structured credit risk environment, providing exposure to complex NBFI transactions, senior decision-making forums and a stable, well-governed financial institution. Please note this role is office-based 5 days per week