Credit Risk- Mid Corporates

Mid-Market Corporate Credit Risk

Locations:
Edinburgh, Leeds, Birmingham

I am looking for experienced credit risk professionals supporting relationship teams with high-quality analysis across a diverse portfolio of UK mid-sized corporates.

Assess new lending proposals and annual reviews for mid-market corporates, typically with complex banking needs and multi‑product facilities.

Analyse historic and forecast financials, cashflows, business plans and sector dynamics to form independent views on creditworthiness and downside risk.

Structure and recommend appropriate facilities (term loans, RCFs, overdrafts and ancillary lines), covenants and security packages within risk appetite.

Prepare clear, succinct credit papers for sanction, highlighting key strengths, risks, mitigants and recommended conditions.

Monitor an allocated portfolio, identifying early warning indicators, recommending remedial actions and supporting restructurings where required.

A solid grounding in credit risk, underwriting or corporate banking, with evident progression in responsibility over time (e.g. from analyst to taking ownership of cases).

Strong financial analysis skills, including interpretation of statutory accounts, management information and cashflow forecasts.

Comfortable forming independent credit opinions and presenting recommendations to senior stakeholders.

Good knowledge of UK lending products, security and covenant structures, and an understanding of relevant regulatory and conduct requirements.

Clear written and verbal communication, with the ability to challenge construct and work collaboratively with front‑office teams.

If you meet the above set criteria, please apply or send a copy of your CV to had

• Contract Type:
  Permanent
• Workplace Type:
  Hybrid
• Experience Level: Mid Management
• Location:
  
  Birmingham
• Specialism:
  Risk & Compliance
• Focus:
  Risk - Credit Risk
• Industry: Financial Services
• Salary: £80,000 - £85,000 per annum

Robert Walters Operations Limited is an employment business and employment agency and welcomes applications from all candidates.