Credit Analyst and Business Support – Banking

Sector: Banking & Investment

Reference: Antal/CABSBUK/97615

Job Title: Credit Analyst and Business Support – Banking - UK

Industry: Banking

Location: London

Salary: Competitive Salary + Other Benefits

Purpose of the Role

The Credit Analyst and Business Support professional will provide operational, analytical and administrative support to the Business Development Department.

The role will support relationship managers and departmental leadership in client acquisition, deal origination, credit analysis, transaction structuring, portfolio management, product development and ongoing client relationship management activities.

The successful candidate will contribute to the preparation of credit applications, financial analysis, business proposals, presentations, market intelligence, management reports and other strategic documentation required to support business growth and sound risk management practices.

Key Responsibilities

Business Development Support

• Support relationship managers in identifying and pursuing new business opportunities.
• Assist in client onboarding and account opening processes.
• Conduct market and industry research to support client acquisition and business strategy.
• Prepare client pitches, proposals, presentations and marketing materials.
• Support product development initiatives and business campaigns.

Credit & Financial Analysis

• Conduct financial statement analysis and interpretation.
• Perform ratio analysis, cash flow analysis and financial modelling.
• Assist in preparing credit applications, credit memoranda and transaction summaries.
• Review customer financial information and supporting documentation.
• Monitor covenant compliance and portfolio performance.

Deal Origination & Transaction Support

• Assist in transaction structuring and execution processes.
• Coordinate internal approvals and documentation requirements.
• Liaise with Risk Management, Compliance, Legal, Operations and other internal stakeholders.
• Support syndication and risk distribution activities where applicable.

Portfolio & Client Management

• Maintain accurate client records and transaction databases.
• Monitor customer accounts and facility utilisation.
• Track expiry dates for facilities, covenants and other client obligations.
• Support ongoing customer relationship management activities.

Reporting & Administration

• Prepare periodic departmental reports and management information.
• Draft internal memoranda, meeting papers and committee submissions.
• Coordinate departmental meetings and maintain appropriate records and documentation.
• Ensure timely filing and archiving of transaction documents.

Compliance & Risk Management

• Ensure adherence to internal policies, regulatory requirements and banking procedures.
• Support KYC, AML and compliance processes.
• Escalate identified risks or irregularities promptly.

Skills & Experience

• Strong financial analysis and credit assessment skills.
• Understanding of corporate banking products and services.
• Knowledge of lending processes and credit documentation.
• Strong report-writing and presentation-preparation skills.
• Proficiency in Microsoft Office, particularly Excel, PowerPoint and Word.
• Ability to analyse financial statements and business performance metrics.
• Knowledge of banking regulations and compliance requirements.
• Minimum 3–7 years' relevant experience in banking, corporate banking, credit analysis or business development support.
• Experience supporting Relationship Managers or Business Development teams within a financial institution is preferred.
• Experience in credit underwriting, financial modelling or transaction support would be advantageous.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, Business Administration, Banking or a related discipline.
• Professional qualifications such as ACCA, ACA, CFA, CIBN, CISI or equivalent would be advantageous.
• Relevant credit-analysis or financial-modelling certifications are desirable.

Important screening criteria

Based on the Hiring Managers' latest clarification, candidates progressing through the recruitment process should also demonstrate:

• Experience in credit analysis of Financial Institutions.
• Basic knowledge of trade finance and treasury products used by Financial Institutions.
• Experience supporting a Business/Relationship Management team with activities such as onboarding, periodic reviews and database maintenance .