Credit Risk Officer

CREDIT RISK OFFICER

An esteemed international bank is seeking a Credit Risk Officer to join its highly regarded Risk Management Department in BGC. This pivotal role offers you the opportunity to make a significant impact on the quality and stability of the bank’s credit portfolio by conducting thorough, independent assessments of both potential and existing corporate borrowers. You will be at the forefront of ensuring that all credit due diligence meets the highest standards, while also supporting regulatory compliance and contributing to the overall risk appetite and strategy of the branch. The organisation is committed to fostering a supportive environment where your expertise in financial analysis, sector research, and post-loan monitoring will be valued and developed. With flexible working opportunities, ongoing training, and a collaborative team culture, this is an exceptional chance for you to advance your career in credit risk within a respected global institution.

* Play a key role in maintaining and improving the quality of the bank’s credit portfolio through rigorous independent assessments and reviews of corporate borrowers, ensuring robust asset quality.
* Benefit from a supportive leadership team that values knowledge sharing, professional growth, and continuous learning through structured training opportunities and exposure to complex credit scenarios.
* Enjoy flexible working arrangements and become part of an inclusive team culture that prioritises collaboration, open communication, and shared success across all levels of the organisation.

What you'll do:

As a Credit Risk Officer, you will play an integral part in safeguarding the bank’s lending activities by performing meticulous due diligence on corporate clients. Your day-to-day responsibilities will involve preparing detailed reports for high-level committees, reviewing financial statements with precision, validating projections, and ensuring that all aspects of credit proposals are thoroughly scrutinised. You will collaborate closely with colleagues across departments to facilitate meetings, conduct site visits when required, and support ongoing compliance checks. Your analytical skills will be essential in interpreting complex documentation and identifying potential risks while recommending practical solutions. By staying up-to-date with evolving regulatory requirements and internal policies from regional headquarters, you will help shape the branch’s approach to risk management. Your contributions will directly influence decision-making processes that underpin the bank’s reputation for prudent lending practices.

* Prepare comprehensive credit due diligence reports for corporate banking accounts, providing insightful commentary on credit proposals presented to the Credit Committee.
* Conduct independent assessments for account reviews triggered by negative news, material adverse events, thematic portfolio reviews, or as directed by management.
* Review detailed financial analyses of client accounts, validate financial spreadsheets and projections, and ensure accuracy in all submitted data.
* Evaluate frontline inputs for credit ratings, independently assess the reasonableness of rating outcomes, and provide constructive feedback for improvement.
* Identify various types of risks including management ability, ownership structure, financial health, operational efficiency, industry trends, and facility structure; propose effective mitigating strategies for each identified risk.
* Analyse group or borrower credit histories using internal records and documentation to inform overall creditworthiness assessments.
* Interpret complex credit documents such as investigation reports and appraisal summaries to contribute meaningfully to collateral evaluation processes.
* Support secretarial functions for the Credit Committee by processing information in relevant systems, preparing meeting minutes, and facilitating pre-clearance meetings for new accounts or facilities.
* Participate in client or plant visits alongside Relationship Managers when necessary to gain deeper insights into business operations and risk factors.
* Conduct industry studies to inform branch risk appetite decisions and assist with drafting updated credit guidelines issued by the Risk Management Department.

What you bring:

The ideal candidate for this Credit Risk Officer position brings substantial experience from within the banking industry—particularly in roles centred around corporate credit risk assessment. Your background demonstrates a deep familiarity with evaluating complex financial data sets as well as preparing clear reports that inform strategic decisions at committee level. You possess strong interpersonal abilities which allow you to work collaboratively across teams while maintaining a keen eye for detail when reviewing documentation or conducting compliance checks. Your knowledge extends beyond technical skills; you understand how regulatory changes impact daily operations and are adept at adapting processes accordingly. A commitment to continuous learning—whether through formal qualifications like CFA/FRA or through hands-on exposure—is highly regarded. Above all else, your reliability in managing sensitive information responsibly makes you an invaluable member of any risk management function.

* A minimum of five years’ experience within the banking sector focusing on corporate credit risk due diligence is essential for success in this position.
* Demonstrated expertise in financial analysis including cashflow projections and sector-specific studies is required to effectively evaluate borrower profiles.
* Proficiency in preparing comprehensive due diligence reports that clearly communicate findings to senior stakeholders is highly valued.
* Strong understanding of regulatory frameworks governing credit assessments within banking environments ensures full compliance at all times.
* Experience with reviewing complex financial statements and validating data accuracy is crucial for maintaining high standards of reporting integrity.
* Ability to interpret diverse sources of information such as investigation reports, appraisals, internal records, and external news events enhances your analytical capabilities.
* Familiarity with credit approval systems (such as CCMS) and rating tools (like CWFRA) supports efficient workflow management within the department.
* Excellent interpersonal skills enable effective collaboration with relationship managers during client visits or cross-functional projects.
* A CFA or FRA qualification would be considered an advantage but is not mandatory; commitment to ongoing professional development is encouraged.
* Meticulous attention to detail combined with a proactive approach towards addressing audit findings or regulatory issues contributes positively to departmental performance.

What sets this company apart:

This organisation stands out as one of the most respected names in international banking with a longstanding presence in major financial centres worldwide. Employees benefit from being part of a truly global network where best practices are shared openly across regions. The company places great emphasis on nurturing talent through regular training sessions tailored to individual development needs—ensuring that every team member has access to resources that support their career progression. Flexible working arrangements are available so you can achieve a healthy balance between professional commitments and personal life. The workplace culture is built on principles of inclusivity, mutual respect, and open communication; everyone’s contribution is recognised regardless of seniority or background. As part of this team-oriented environment you’ll find ample opportunities for growth leadership under supportive mentors who value knowledge-sharing above all else.

What's next:

If you are ready to take your expertise in credit risk assessment to new heights within an internationally renowned institution—this could be your next career move!

Apply today by clicking on the link provided—your future in global banking awaits!

Due to the high volume of applications we are experiencing, our team will only be in touch with you if your application is shortlisted.