Wholesale Credit Risk EMEA Associate - Technology, Media & Telecoms

Shape credit decisions that power growth across some of the most dynamic sectors in the market. In this role, you will influence high-impact transactions by combining rigorous analysis with commercial judgement. You will work with partners across the region and across products, helping clients navigate both opportunity and downside risk. If you enjoy diving into complex businesses and turning analysis into clear recommendations, this is a chance to make your work matter every day.
Job summary
As a Wholesale Credit Risk EMEA Associate in the Technology, Media and Telecommunications team, you will assess and manage credit risk for a broad range of clients across the Europe, Middle East and Africa region. You will work closely with partners across corporate banking, markets and product teams to support clients across leveraged, investment grade and innovation-led businesses, including those backed by venture capital. You will help shape credit decisions through high-quality due diligence, thoughtful structuring and clear communication of risk. This role reports into the Vice President - Credit Risk.
Job responsibilities
Lead due diligence, credit analysis, and financial modelling for credit counterparties
Drive the preparation of credit approval memos, including recommendations on structure, risk appetite, and risk grading
Build financial models and challenge modelling assumptions with relevant coverage and product partners
Develop appropriate downside scenarios and clearly articulate key modelling conclusions
Partner across products including lending, derivatives, trade finance, and treasury products
Support negotiation of facility documentation to help identify and mitigate key risks
Apply risk management policies and interact with stakeholders, including regulators and auditors
Manage ongoing portfolio monitoring, including risk ratings, sector trends, and client performance
Coach and support the development of junior colleagues
Required qualifications, capabilities, and skills
Strong credit judgement with a proactive approach to risk identification and credit process discipline
Demonstrated knowledge of transaction structures, facility documentation, and core banking products
Clear written and verbal communication skills, with the ability to synthesize complex information
Ability to build credibility and trusted relationships with key stakeholders
Proven ability to coach and develop junior colleagues
Self-starting, results-focused, able to manage multiple priorities, and adaptable to change
Experience in a credit risk function or leveraged finance underwriting environment
Strong cash flow modelling and financial analysis skills
Preferred qualifications, capabilities and skills
Proficiency in European language(s) in addition to English
Experience working with venture capital-backed clients
Familiarity with high yield lending and venture term loan structures
Demonstrated ability to apply a risk-and-return mindset in dynamic environments
Experience interacting with regulators and auditors
Confidence challenging and supporting partners on modelling assumptions
Experience in portfolio management, including monitoring sector trends