Associate Director, Credit Analyst, European Bank

Associate Director - Credit Analyst

• Conduct independent and in‑depth credit analysis for new lending proposals and periodic reviews, covering corporate, leveraged and structured transactions
• Prepare high‑quality credit papers for internal credit committees in line with group credit policies and regulatory standards
• Assess borrower financials, cash flow sustainability, industry risk, transaction structures, and covenant packages
• Work closely with Relationship Managers, Product teams and Risk Management throughout deal origination and execution
• Monitor existing portfolios, identify emerging risks, and recommend appropriate risk mitigants
• Support regulatory, audit and internal control requirements relating to credit risk
• Provide mentoring and guidance to junior credit staff where required

• Bachelor's degree or above in Finance, Accounting, Economics or a related discipline
• Minimum 8-10 years of credit analysis experience gained within an international or regional bank
• Strong hands‑on experience covering corporate banking / mid‑cap to large corporate clients; exposure to structured or leveraged finance is an advantage
• Solid financial statement analysis and cash flow modelling skills
• Strong understanding of credit risk frameworks, covenants and documentation
• Ability to work independently and manage multiple transactions under tight timelines
• Strong communication skills with proven ability to engage front office and senior stakeholders
• Fluency in English is required; additional European or Asian language skills are a plus

• Exposure to a diversified loan portfolio with regional deal coverage
• Stable platform with strong credit culture and well‑defined risk governance
• Competitive compensation and benefits
• Clear career progression within a global banking group