Role Overview
Credit Analyst
Job Overview
Company: Standard Bank Isle of Man
Location: IM, undefined, Douglas, Circular Road 1
Business Segment: Group Functions
Job Type: Full-time
Compensation: GBP 1,200,000 - yearly
Job Ref ID: 80456961A-0001
Date Posted: 10/30/2026
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Job Description
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.
Qualifications
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.
Requirements
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
- Additional Information
- Closing date
- 30 November 2026
- Salary from £50,000
- Stay safe online: all Standard Bank Offshore career opportunities are advertised through our official channels.
- We will never ask candidates for payment or banking details.
- Our Commitment to Diversity, Equity and Inclusion
- Standard Bank Group is committed to fair and inclusive employment practices.
- We aim to build a workforce that reflects the diversity of the communities we serve and welcome applications from candidates of all backgrounds, including people with disabilities.
- We strive to create an environment where everyone has an equal opportunity to contribute and grow.
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- Please note: All our recruitment processes comply with the applicable local laws and regulations.
- We will never ask for money or any from of payment as part of our recruitment process.
- If you experience this, please contact our Fraud line on +27 800222050 or TransactionFraudOpsSA@standardbank.co.za
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Job Details
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