Counterparty Credit Risk - FI / Corporates

A leading international bank is seeking a Credit Officer to join its London-based Credit & Risk function. The role sits within a small, high-performing team responsible for the assessment, monitoring, and control of credit exposures across corporate, real-estate, and financial-institution portfolios. The ideal candidate will bring analytical rigour, sound judgement, and an ability to interpret risk in a cross-border context. This high calibre team has expectations of candidates holding either a MSc, MBA or Masters level post grad qualification.

Responsibilities

• Conduct comprehensive credit analysis on new and existing counterparties across corporate, commercial real-estate, and financial-institution segments.
• Prepare and maintain management reports and MI on country limits, counterparty exposures, and portfolio concentrations.
• Monitor credit reviews, risk ratings, and exposure trends, ensuring that limits remain within approved thresholds.
• Support the periodic review of watch-list exposures, providing timely analysis, commentary, and recommendations to management.
• Prepare credit memoranda and presentations for internal committees, ensuring documentation accuracy and adherence to internal standards.
• Maintain and enhance portfolio data integrity, including regular reconciliation of credit systems and databases.
• Liaise with internal stakeholders to ensure alignment of credit strategy with commercial and regulatory objectives.
• Assist in ad-hoc credit projects and portfolio analytics as directed by senior management.

Qualifications & Experience

• University degree in Finance, Accounting, Economics, or a related discipline.
• Minimum of 5 years' experience within a credit, risk, or analytical function in a banking or financial-institution environment.
• Demonstrable expertise in financial statement analysis, credit modelling, and sector research.
• Strong knowledge of banking, treasury, and capital-market products.
• Familiarity with FCA-regulated environments and sound understanding of credit policy and governance frameworks.

Competencies

• Advanced analytical and numerical skills with attention to accuracy and data integrity.
• Strong command of Microsoft Excel, Word, and PowerPoint; experience with credit-risk systems advantageous.
• Ability to interpret complex financial and macro-economic information and draw well-reasoned conclusions.
• Excellent written and verbal communication, with the ability to articulate credit opinions clearly and concisely.
• Self-motivated, disciplined, and deadline-driven, able to manage multiple priorities in a fast-paced environment.
• Collaborative, adaptable, and comfortable working within a small, multicultural team.