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Wholesale Credit Risk - EMEA Banks and Insurance team - Associate
mid · Investment Banking
We have an exciting opportunity for you to advance your career in a dynamic and collaborative credit risk team. You will work with a diverse portfolio of financial institution clients, helping to shape risk decisions across a broad range of products and transactions. This role offers exposure to senior stakeholders, complex credit structures, and opportunities to develop your expertise while making a meaningful impact.
As an Associate in the EMEA Financial Institutions team covering primarily Banks, Insurances and Sovereign clients for the Central and Northern Europe region in the Commercial & Investment Bank (CIB), you will cover a diversified portfolio of Investment and Non-Investment Grade counterparties, with responsibility for conducting credit analysis, managing portfolio exposures, and reviewing and approving transactions across a wide range of credit products.
Job Responsibilities
- Prepare concise credit analysis with clear recommendations on risk appetite, grading, and structuring.
- Support due diligence, leading where required, and prepare credit analysis of counterparties.
- Conduct portfolio-level and client specific stress testing, challenging scenario assumptions, and articulating conclusions to stakeholders.
- Negotiate Markets documentation (ISDA, clearing agreements, GMRA/GMSLA etc.) and loan documentation (including LMA standards and leveraged finance)
- Manage and monitor the credit risk portfolio across sectors and products, including ongoing tracking of ratings, sector trends, and client performance; proactively adjust limits and manage exposures.
- Cover a broad product set, across all markets products (derivatives, securities financing, securities trading, cleared products, margin lending etc.), secured and unsecured loans, trade finance, and treasury products.
- Coordinate with senior leaders across the Commercial & Investment Bank, product specialists, and senior Credit Officers to align risk decisions and approvals.
- Apply firm risk management policies and engage with control stakeholders, including Regulators and Auditors.
- Develop junior talent through structured coaching, on-the-job training, and formal learning sessions.
Required qualifications, capabilities, and skills
- Demonstrated analytical rigor and credit judgment, with the ability to identify, quantify, and communicate key risks.
- Proficiency in financial analysis and scenario analysis relevant to wide-ranging client and product suite.
- Familiarity in leveraging AI tools to support analysis and enhance efficiency.
- Knowledge of transaction structures, documentation (markets, loan) sufficient to support negotiation and execution.
- Strong project management capability with end-to-end ownership of workstreams; effective prioritization and multi-tasking in a dynamic environment.
- Clear, effective written and verbal communication; ability to establish credibility with clients and internal stakeholders.
- Ability to coach and develop junior colleagues.
- Self-directed, results-oriented, adaptable, and motivated to drive continuous improvement.
- Prior experience in a comparable credit or risk environment.