Posted today​

Credit Analyst

Job Overview

Company: Standard Bank Isle of Man

Location: JE, St Helier, Saint-Helier, La Motte Street 47-49

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.

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
• 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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