Credit Monitoring (Internal Ratings/ACCA)

London Permanent View Job Description
Support and manage the internal ratings within the Portfolio Management team across leveraged finance, NAV and securitisation portfolios. Ideal for ACCA candidates seeking a structured, analytical first‑line role.
  • Shape credit ratings across a major European leveraged finance portfolio
  • Gain exposure to senior stakeholders across Credit, Risk and Origination.

About Our Client

Our client is a leading international financial institution with a substantial European leveraged finance and NAV portfolio. The Internal Ratings function sits within Portfolio Management and plays a crucial part in ensuring the accuracy, consistency, and compliance of the bank's credit monitoring framework.

Job Description

The Internal Ratings Analyst (AVP) is responsible for credit monitoring, performing internal rating assessments, and completing periodic reviews across an allocated portfolio of leveraged finance, NAV, securitized products and program‑related exposures. This involves analysing financial trends, preparing data within internal rating models, and ensuring timely and accurate submissions to the internal Credit function. The role requires strong documentation discipline, stakeholder interaction, and contributing to process improvements within the ratings workflow.

You will be responsible for proactively executing and reviewing the internal rating process for approximately 50 European leveraged finance borrowers, as well as NAV Finance and JVCo programme credit monitoring.

Key responsibilities include:

  • Analysing audited and management financial statements, due diligence materials and borrower information to prepare accurate internal rating submission
  • Inputting financial data into the GBR system and completing periodic and ad‑hoc credit monitoring.
  • Performing detailed financial and risk analysis to determine rating outcomes and identify key drivers and trends
  • Collaborating closely with Origination, Portfolio teams and Credit Department to ensure timely rating submissions and approvals
  • Supporting continuous improvements to the ratings process to enhance efficiency and accuracy

The Successful Applicant

The ideal candidate will be ACCA‑qualified or part‑qualified, with strong financial statement knowledge and experience working with detailed accounts. You will be detail‑oriented, technically strong, comfortable working with structured models, and confident managing stakeholder expectations across first‑line and credit functions. Prior leveraged finance or NAV exposure is helpful but not essential, provided the candidate has strong analytical fundamentals.

The ideal candidate will demonstrate:

  • Strong knowledge of credit monitoring, internal ratings methodologies and the bank's GBR system.
  • Understanding of European leveraged finance markets, NAV financing and securitisation frameworks is advantageous
  • Excellent ability to analyse and interpret audited/unaudited financial statements, forward‑looking data and due diligence materials.
  • High proficiency in Excel, including managing multiple models and pro‑forma adjustments
  • Strong written and verbal communication skills with the ability to present complex credit assessments clearly.
  • A collaborative work style, exceptional attention to detail and accuracy.
  • German or French language skills are advantageous but not essential.



What's on Offer

  • Opportunity to work in a leading financial services organisation in London.
  • Professional development and career progression opportunities within the banking sector.
  • Broad learning, development and career progression opportunities.



Please apply below if you are interested in discussing this opportunity further.

Contact
Nicola Mcguane
Quote job ref
JN-022026-6938652
Phone number
+44 207 776 5927

Job summary

Job function
Banking & Financial Services
Subsector
Debt / Structured Finance
Sector
Financial Services
Location
London
Contract type
Permanent
Consultant name
Nicola Mcguane
Consultant phone
+44 207 776 5927
Job reference
JN-022026-6938652