About this role
Credit Analyst
Standard Bank Isle of Man
Job Overview
Company: Standard Bank Isle of Man
Group 14
Location: JE, St Helier, Saint-Helier, La Motte Street 47-49
Group 15 Copy
Business Segment: Group Functions
Fill 11
Job Type: Full-time
Compensation: GBP 1,200,000 - yearly
Group 16
Job Ref ID: 80456961A-0001
Group 16
Date Posted: 10/30/2026
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
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Essential
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Degree in Finance, Accounting, Business Commerce or a related discipline.
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5-7 years' experience in credit assessment, credit risk decisioning and lending within banking or financial services.
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Strong understanding of financial statements, repayment structures, collateral management and credit processes.
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Advantageous
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Real estate (ideally UK), property finance or structured lending education.
Behavioural Competencies:
- Examining Information
- Making Decisions
- Checking Things
- Convincing People
- Articulating Information
Technical Competencies:
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Credit Delivery
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Legal Knowledge
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Loan Assessment & Approval
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Risk Reporting
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Additional Information
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Closing date
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30 November 2026
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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.
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Our Commitment to Diversity, Equity and Inclusion
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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.