As an Analyst in the EMEA Diversified Industries Credit Risk team, you will collaborate closely with business partners across the region, including Global Corporate Banking, Leveraged Finance and Syndicate, Debt Capital Markets, Sales and Trading, Treasury Services, and Trade Finance. You will conduct comprehensive credit analysis of both Investment Grade and NonInvestment Grade corporate borrowers, including sponsorbacked leveraged finance issuers, and work with front office teams to structure a diverse range of credit relationships.
Job Responsibilities:
- Assume coverage of a portfolio of EMEA corporate clients across diversified sectors (e.g., Business services, Machinery & Equipment, Transportation, Auto, Airlines, Aerospace & Defence), including grading and reviewing credit risk exposures.
- Track financial performance updates, earnings events, liquidity and covenant compliance, and other developments impacting the assigned portfolio.
- Monitor risk and exposure metrics across counterparties and the portfolio, contributing to sector analyses and earlywarning assessments.
- Participate in due diligence processes for onboarding new EMEA clients (both mid and large Caps) and reviewing existing ones, including preparation and analysis of business models, cash flow generation, debt capacity, and refinancing risk.
- Produce concise and insightful credit memos, articulating recommendations for facilities, limits, tenor, covenants, collateral/security, and intercreditor arrangements.
- Support analysis and approval processes for leveraged finance and lending requests, including RCFs, term loans and bond transactions.
- Develop knowledge of legal documentation for corporate markets and banking products, including credit agreements, bond indentures, intercreditor agreements, and security and guarantee packages.
- Participate in team and departmentlevel projects to improve processes and drive efficiencies, leveraging AI / LLM.
Required Qualifications, Capabilities, and Skills:
- Ability to navigate and interpret corporate financial statements (Balance Sheet, P&L, CF).
- Familiarity with cashflow modelling and valuation methods (including DCFs).
- Broad understanding of macroeconomic and sector factors affecting corporates and leveraged finance borrowers.
- Basic knowledge of lending, capital markets, and derivatives products familiarity with leveraged finance and covenant structures.
- Ability to establish credibility and trust with internal business partners and credit officers.
- Good communication skills, both verbal and written, with decisionoriented analysis.
- Expertise with MS Office products, including Excel, PowerPoint, and Word.
- Selfstarting and capable of multitasking, with adaptability to change.
- Degree in Finance, Accounting, Economics or STEM subjects preferred (other subjects also considered).
- Ability to efficiently work and engage with colleagues and stakeholders across geographies,including London, Frankfurt, Paris and Mumbai.
Preferred Qualifications, Capabilities, and Skills:
- Previous experience in a Credit Risk department or leveraged finance underwriting, including skills in cashflow modelling and financial analysis.
- Familiarity with corporate business models, sponsor dynamics, and covenant packages.
- Knowledge of a second European language (French, German, Italian, Spanish) or working towards / having a professional certification (e.g. CFA, FRM) are considered a plus.
