Wholesale Credit Risk EMEA Associate

About the Role

The Wholesale Credit Risk EMEA Associate in the Technology, Media & Telecoms (TMT) team partners with business across the region to provide a comprehensive view of credit risk for a broad range of clients. This role supports clients across Leveraged, Investment Grade, and Innovation Economy segments, including those backed by Venture Capital.

Key Responsibilities

• Take responsibility for due diligence, credit analysis, and financial modelling of credit counterparties.
• Drive the preparation of credit memos and make recommendations on structure, risk appetite, and grading.
• Build financial models and challenge industry teams on modelling assumptions.
• Devise appropriate downside scenarios and clearly articulate key modelling conclusions.
• Work across a variety of products including loans, derivatives, trade, and treasury products.
• Negotiate loan documentation, derivatives, and other facilities to help mitigate risks.
• Understand risk management policies and interact with stakeholders, including regulators and auditors.
• Manage ongoing credit risk portfolio, monitoring ratings, sector trends, and client performance.
• Coach and support the development of junior colleagues.

Requirements & Tech Stack

• Sound credit skills and judgment with a proactive approach to credit process and risk identification.
• Demonstrate knowledge of transaction structures, loan documentation, and banking products.
• Good interpersonal and communication skills, both written and verbal.
• Ability to establish credibility and trust with key stakeholders.
• Proven coaching and development ability towards junior colleagues.
• Self-starting, result-driven, multi-tasking, and adaptable to change.
• Prior experience in a Credit Risk department or leveraged finance underwriting.
• Skills in cash flow modelling and financial analysis.

Preferred Qualifications

• Knowledge of European languages in addition to English.
• Experience working with Venture Capital-backed clients.
• Familiarity with high yield loans, corporate style loans, and venture term loans.
• Understanding of risk-reward mindset in dynamic environments.
• Experience interacting with regulators and auditors.
• Ability to challenge and support industry teams on modelling assumptions.
• Experience in portfolio management and monitoring sector trends.