Credit Analyst

Standard Bank Offshore is the offshore arm of the Standard Bank Group, a leading Africa focused financial services group, and an innovative player on the global stage. Our international Banking, Lending, Investment, Fiduciary and Wealth Management services offers a variety of career-enhancing opportunities – plus the chance to work alongside some of the sector’s most talented, motivated professionals.

Our clients range from individuals to businesses of all sizes, high net worth families and large multinational corporates and institutions. We’re passionate about creating growth in Africa and SBO is perfectly positioned to support the growth of our organisation from our office in the Isle of Man, Jersey, London, MAUs and South Africa. Bringing true, meaningful value to our clients and the communities we serve and creating a real sense of purpose for you.

We are seeking an experienced Credit Analyst to join our Risk team who will be responsible for managing a portfolio of counterparty credit risks associated with lending, trading and investment activities. The successful candidate will play a key role in assessing, monitoring and managing credit risk within approved risk appetite.

Key outputs

• Critically assess valuation assumptions, sustainable cash flows, loan-to-value, debt-service and interest-cover metrics, lease profile, tenant quality, vacancy, break options and marketability.
• Design or challenge fit-for-purpose security packages, guarantees, cessions, mortgage or other collateral arrangements, intercreditor terms and enforcement priorities.
• Make credit decisions and recommendations in line with applicable lending policies, regulatory requirements and sound credit risk principles.
• Identify and mitigate credit risks through appropriate security structures, facility conditions and ongoing portfolio monitoring.
• Build strong relationships with business stakeholders and act as a trusted advisor on credit matters.

Qualifications

Essential

• Degree in Finance, Accounting, Business Commerce or a related discipline.
• 5-7 years' experience in credit assessment, credit risk decisioning and lending within banking or financial services.
• Strong understanding of financial statements, repayment structures, collateral management and credit processes.

Advantageous

• Real estate (ideally UK), property finance or structured lending education.

Behavioural Competencies:

• Examining Information
• Making Decisions
• Checking Things
• Convincing People
• Articulating Information

Technical Competencies:

• Credit Delivery
• Legal Knowledge
• Loan Assessment & Approval
• Risk Reporting

Closing date

30 November 2026

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