Associate Director, Wholesale Credit Analyst

Responsibilities Prepare high-quality credit submissions and assess lending proposals against risk appetite, policy and underwriting standards Analyse financial performance, forecasts, sensitivities, business risks, industry dynamics, sustainability considerations and client structures to support sound credit decisions Assess key credit risk metrics, profitability and portfolio performance, providing clear and independent recommendations Determine and support key credit risk parameters, including probability of default and loss given default, where relevant Conduct annual credit reviews, monitor covenant compliance and special conditions, and proactively identify emerging client or portfolio risks Partner closely with Relationship Managers, Product Specialists and other stakeholders to support client outcomes and responsible business growth Participate in client engagements where your credit perspective can add value to structuring, decision‑making and long‑term relationship outcomes Contribute to portfolio insights, strategic projects, process improvements and knowledge sharing across the team Requirements Minimum 6–7 years’ experience within banking, financial services or a related environment Strong exposure to Wholesale, Corporate or Institutional Banking clients Experience as a Credit Analyst, Credit Approver, Portfolio Manager, Relationship Manager or similar role Proven experience analysing complex credit transactions and preparing clear, well‑structured credit submissions Strong credit and risk assessment capability, with sound commercial judgement and high‑quality financial analysis skills Confident written and verbal communication skills, including the ability to engage credibly with senior stakeholders A collaborative, proactive and team‑oriented mindset, with the ability to manage priorities in a deadline‑driven environment Degree in Finance, Accounting, Economics, Commerce or a related discipline A postgraduate qualification such as CA, CFA, MBA or similar will be highly regarded Core Competencies Demonstrates strong credit and risk assessment capabilities, with expertise in analysing complex credit transactions and preparing high-quality credit submissions. Proficient in financial analysis, portfolio management, and stakeholder engagement to support sound credit decisions and responsible business growth. #J-18808-Ljbffr