Credit Risk Analyst SME Banking

Credit Risk Analyst - SME Bank | London (Hybrid)
Location: London, UK
Working Pattern: Hybrid - 3 days in office, 2 days remote
Contract Type: Permanent, Full-time
Salary: £70,000 - £75,000

An established London-based financial institution is looking for a skilled Credit Risk Analyst to join its growing Risk Management team. This is a newly created position reporting to the Chief Risk Officer and will play a key role in shaping the organisation's 2nd Line of Defence credit risk oversight.

This is a great opportunity for a professional with solid credit risk experience - particularly in credit risk and trade finance - to work in a collaborative environment where your insights and contributions will be highly valued.

Key Responsibilities:

• Assess credit applications, perform detailed financial analysis, and evaluate sector, environmental and business risks.
• Ensure all transactions comply with internal credit policies and regulatory requirements.
• Monitor credit exposures and customer covenants, maintaining an active credit watchlist.
• Provide timely and robust credit recommendations and monthly reporting for the Credit Risk Committee.
• Collaborate closely with the Front Office (1st Line of Defence), Legal, Finance, and Operational Risk teams.
• Attend Credit Committee meetings, take accurate minutes, and follow up on action points.
• Support enterprise-wide risk initiatives and contribute to the development of internal control frameworks.
• Uphold Consumer Duty principles, ensuring customer fairness and good value.

Candidate Profile:

• 5 years plus experience in credit risk, with strong exposure to trade finance and ideally the African markets.
• Sound understanding of structured and traditional trade finance instruments.
• Skilled in credit analysis, legal documentation review, and internal stakeholder management.
• Proficient in Microsoft Excel with strong attention to detail and organisational skills.
• Ability to work independently, manage deadlines, and deliver high-quality work under pressure.
• Excellent communication and interpersonal skills; confident in engaging with senior management.

Inventum is passionate about equity, diversity and inclusion. We seek individuals from the widest talent pool and encourage diverse and underrepresented talent to apply for vacancies with us. Inventum is committed to ensuring our recruitment processes are fair to all applicants, regardless of background and personal characteristics.

Inventum Group is acting as an Employment Agency in relation to this vacancy.