Investec – Where Out of the Ordinary Happens

At Investec, we do things differently. We're a leading international bank and wealth manager built on a culture of curiosity, entrepreneurial spirit and human connection. Ideas are heard, ambition is celebrated, and impact is encouraged. As part of a team that challenges convention and strives for outperformance, you'll help shape bold solutions for clients who expect something more than the ordinary.

Junior Credit Analyst, Investec Europe Limited 

Investec – Where Out of the Ordinary Happens 

At Investec, we do things differently. We're a leading international bank and wealth manager built on a culture of curiosity, entrepreneurial spirit and human connection. Ideas are heard, ambition is celebrated, and impact is encouraged. As part of a team that challenges convention and strives for outperformance, you'll help shape bold solutions for clients who expect something more than the ordinary. 

About the team: 

The IEL Risk Team sits within Investec Europe Limited and works at the heart of how we manage credit risk across our Treasury Products & Distribution (TPD) business. You'll work closely with the Head of Credit Risk, our TPD Sales Team, and Group Credit & Risk Management colleagues — acting as the key bridge between the Front Office and Credit on FX, derivatives and broader treasury activity. It's a highly interactive role with real exposure to Credit Committee, senior management and a broad cross-section of the business. 

What will I be doing? 

• Prepare new credit applications for the TPD Sales Team — recommending trading limits, assessing the creditstrengthand trading requirements of newly-signed clients, using approved internal rating models and credit assessment methodologies, and presenting at Desk Credit Committee or Senior Credit Committee for approval. 
• Manage annual credit reviews for existing corporate clients — providing limit-change recommendations to Front Office based on a view of clients' financial and non-financial metrics, historical FX and other derivative activity, and discussing key risks with Credit Committee.
• MonitorFX credit exposures day-to-day, liaising with Credit and Group Credit on daily reports, sending queries to dealers and following up on any limit breaches. 
• Run stress testing on current and proposed client exposures to support ongoing credit analysis and risk management.
• Prepare month-end and quarterly credit activity and credit exposure reports.
• Hold a weekly discussion with the Head of TPD to walk through upcoming credit reviews, limitchangesand margin issues. 
• Work closely with Legal to ensure Facility Letters are received back — circulating Legal's weekly list to the Dealers and Sales Team and following up with clients directly.
• Take on ad hoc work for the Treasury Credit Team, including industry analysis, customer reports, screening of new clients, customer biographies for internal events, sales pipeline and sector analysis, limit utilisation and net exposure reports, regulatory working groups, and presentations for the new business team.
• Act as the day-to-day liaison between the TPD and Credit Teams — bringing a proactive, collaborative approach to keep both sides aligned.
• Take on project work end-to-end: research, design, implement and deliver projects asrequired.
• Provide Credit Committee with well-researched, clearly presented business,creditand financial analysis on existing and proposed deals. 
• Prepare deal summaries and transaction updates for credit reporting.
• Act as a key point of contact for Credit Reporting — ensuring the accuracy of reporting dashboards and that they align with Risk Appetite and Senior Management requirements.
• Partner with the Credit Reporting team to shape forward-looking dashboard and portfolio reporting requirements.
• Work with Credit Risk Business Analysts to develop and formatmethodologyrequirements for trading book analysis, monitoring and reporting. 

What do I need to bring? 

• A third-level qualification in Business, Maths,Scienceor a similar discipline. 
• Work experience in a credit, risk or financial services role is desirable.
• Strong financial analysis skills — the ability to interpret financial statements and form a balanced credit judgment.
• A good understanding of FX, Interest Rate and Commodity Futures, Options,Swapsand other derivatives. 
• Familiarity with derivative exposure methodologies — current and statistically expected future exposures, Credit Threshold and Collateral Margining concepts.
• Knowledge of Financial Institutions across a range of geographies, as well as Credit Rating Agency methodologies.
• Awareness of legal documentation and key credit terms relevant to ISDA / CSA / GMRA / GMSLA.
• An understanding of IT systems andprocesses, andworking knowledge of Bloomberg or other financial research and portfolio management tools. 
• Regulatory knowledge relevant to the role, and the integrity to act in line with the philosophy oftreating customers fairly at all times.

I am good at: 

• Strong numerical reasoning and accuracy, with sharp attention to detail.
• Interpreting complex credit applications and producing executive summaries that clearly highlight strengths and weaknesses.
• Analysing a counterparty's business model, the competitive environment itoperatesin, and the risks to that model. 
• Making balanced credit judgments and weighing commerciality against risk versus reward.
• Reading the market landscape,competitorsand broader economic context. 
• Adapting credit analysis techniques across different counterparties, risk types, accountingstandardsand regulations. 
• Excellent organisation and time management — comfortable juggling multiple priorities to deadline.
• Good interpersonal and communication skills, with the confidence to engage colleagues across Front Office, Credit and Legal.
• Showing initiative andoperatingas a self-starter — happy to pick up project work end-to-end. 
• Solid administrative discipline and the ability to multi-task in a fast-moving environment.

As part of our collaborative & agile culture, our working week is 4 days in the office and one day remote. We believe that being together enables us to live our values and support our clients and communities in an extraordinary way.

Investec offers a range of wellbeing benefits to make our people feel healthier, balanced and more fulfilled in their lives inside and outside of work. You can find a list of our benefits here

Embedded in our culture is a sense of belonging and inclusion. At Investec we want everyone to find it easy to be themselves, and to feel they belong. It's a responsibility we all share and is integral to our purpose and values as an organisation. We believe that innovation thrives when everyone feels respected, included, and empowered to contribute.

We actively seek out diverse talent and foster an inclusive environment, encouraging applications from people of all backgrounds and experiences. Here, you'll find networks, benefits, and development opportunities designed to support your career journey, wherever it may lead.

If this role excites you but you don't meet every requirement, we'd still love to hear from you. Your unique perspective and experience could be exactly what we are looking for.  Get in touch!

At Investec, we're deeply invested in our clients, our colleagues, and our communities. It's more than a mindset; it's how we show up every day.

Be part of something Out of the Ordinary.

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