Handelsbanken
Credit Analyst - Large Corporates
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Job Introduction
Handelsbanken offers a genuinely different approach to banking. We are a local relationship bank providing bespoke, customer-led banking and wealth management services for personal and corporate customers.
Our branch teams build trusted, long-term relationships with customers in their local communities. With our decentralised ways of working, decisions are made in the branch, close to the customers. Teams decide who they work with and how best to support them, without short-term sales targets or bonus-driven incentives. Instead, we focus on doing what is right for the customer, even when that means prioritising long-term value over short-term profit.
This approach has underpinned our success for decades. Today, Handelsbanken holds the strongest credit rating among its peer banks, is independently recognised as Europe’s safest commercial bank, and is consistently ranked highly for customer satisfaction and relationship banking.
Our culture is values-led, shaped by trust, respect, and long-term thinking. We empower our people to use their expertise, make confident decisions and build long-term careers. We look for people who share our long-term vision, want to grow and want to make a meaningful impact in their local community and with the Bank.
Check our Handelsbanken website for further information.
The Opportunity
We are looking for a Credit Analyst based in Large Corporate UK Branch. It is essential you have experience working as a Credit Analyst performing financial and credit analysis on FTSE 100/250 corporates. You will also need a strong understanding of external credit ratings with a focus on investment grade borrowers.
Key Responsibilities
- Analysing credit proposals; advising and supporting corporate managers using a good working knowledge and application of the Bank’s credit policy and rating system.
- Providing verbal and written communication to adhere to credit policy; demonstrating interpersonal skills to effectively debate and support discussions on credit proposals and policy.
- Supporting the corporate managers with structuring lending proposals with appropriate covenant measures and security profiles.
- Working with numerous credit proposals in a timely manner whilst performing a number of additional credit duties as part of the team to ensure good workflow at all times.
- Conducting precise analytical reviews of all business cases to ensure that the highest credit quality standards are maintained.
- Support to corporate managers assisting with progression of prospects and early identification and follow-up.
- In conjunction with the corporate managers, attending in person results and analyst presentations, customer and prospect meetings across the UK.
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What We’re Looking For
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- Experience in performing financial and credit analysis on FTSE 100/250 corporates
- Strong understanding of external credit ratings with a focus on investment grade borrowers
- A keen interest in finance, macroeconomic and geopolitical issues.
- Risk judgment and broader risk awareness and understanding of the wider business, market and regulatory environment, and how this impacts client and portfolio’s credit profile and ability to defend rigorously a fact-based point of view.
- Excellent verbal and written communication skills with the ability to analyse, articulate and present complex issues clearly and concisely. You will also have well-developed presentation skills.
- Excellent Interpersonal skills and the ability to work well with impact with people at all levels
- Ability to build strong professional relationships at all levels, internally and externally, and represent Handelsbanken effectively.
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Why Join Handelsbanken
We want everyone at Handelsbanken to feel supported, motivated, and able to do great work. That’s why, alongside brilliant colleagues, meaningful work and training and development opportunities, we provide a variety of benefits designed with your wellbeing in mind.
In addition, there is a flexible benefits package with the key highlights detailed below.
Application Next Steps
Your journey with us begins once you have submitted your application. One of our Handelsbanken Talent Acquisition Partners will be reviewing your details and will later organise a phone conversation if you match the role requirements. If there is a mutual fit, we will extend an invitation for you to participate in an interview.
This advert will be live for a minimum of two weeks. However, please note that after the two weeks, the closing date could change at any time depending on the number of responses received.
The Bank is deeply committed to embedding good equality and diversity practice into all of our activities. This is so that we are an inclusive, welcoming and inspiring place to work that encourages everyone to apply, regardless of socio-economic background, age, disability, pregnancy and/or parental status, race (including colour, nationality, and ethnic or national origin), veteran status, marital and civil partnership status, religion or belief, sex, gender reassignment or sexual orientation.
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