Commercial Banking Risk - Middle Market - Credit Risk Associate

About the role

Dynamic credit risk associate with 5+ years experience in commercial banking, skilled in portfolio analysis, financial modeling, and stakeholder engagement across global markets. Proven ability to assess creditworthiness, negotiate terms, and drive risk mitigation initiatives.

What you’ll do

• Manage client portfolio and conduct credit analysis.
• Prepare macro, industry, business, financial, and projection models.
• Recommend credit rating changes and facility amendments.
• Negotiate credit terms with senior officers.
• Finalize credit agreements and amendments.
• Support due diligence on capital market transactions.
• Evaluate new-to-bank prospects and onboard clients.
• Build relationships with cross-functional teams.
• Mentor junior team members on deal support.
• Ensure governance, reporting, and data quality compliance.

What you’ll bring

• Postgraduate degree in finance or related field.
• 5+ years credit risk analysis experience, 2+ years client management.
• Independent and collaborative work style.
• Strong communication and stakeholder engagement skills.
• Deep understanding of financial statements and ratio analysis.
• Excellent academic record and attention to detail.
• Quick learner of credit analysis techniques and global markets.
• Proficient in MS Word, Excel, PowerPoint.

Skills

Education

Postgraduate