Senior Credit Analyst - Oil & Gas SME

The Corporate Credit Risk team within the Wholesale Credit Risk Department is primarily involved with the analysis and credit rating of multinational and UK corporate clients within the perimeter of Santander Global Banking and Markets (SGBM) in the UK.

The Corporate Credit Risk team is the local representative of HO Credit Risk, and is instrumental in transmitting and implementing the local and the group best practices, credit policies, procedures and risk appetite in SGBM UK.

The Credit Analyst (CA) requires self-management of workflows as well as strong interaction and good communication with the front office, senior management and HO. The CA needs to ensure that transactions and limits are established with a high level of quality during the analysis process and that approval deadlines, which are often very tight, are met as far as possible.

As a Senior Credit Analyst – Oil & Gas SME, your main responsibilities will be:

• Undertake internal rating assessments, using the Santander Group proprietary internal rating tools and Oil and Gas Specific Companies


• Conduct a comprehensive assessment of new lending proposals, annual reviews and waiver requests, ensuring that all risks are identified and make a judgement as to their acceptability in a timely fashion followed by a suitable recommendation to the appropriate approval authority.


• Provide independent and robust recommendations to the Senior Management/Committees about potential transactions. When applicable, attend to the relevant committees both in the UK and Madrid.


• Ensure coordination with HO and FO Madrid Credit Risk Department.


• Control global positions and make sure excesses are investigated and appropriate action is taken within the required timescales.

What we’ll be looking for in you

• Degree Level educated or equivalent


• Strong experience of credit analysis of and understanding of oil and gas companies, independent E&P companies, Structured Trade Finance and Trade Finance Products


• A demonstrable track record in large corporates risk analysis, including balance sheet, P&L and cash flow trends,


• Strong skills in communication, both orally and written form, in a confident, articulate, structured and coherent manner.


• Clear and articulate communication of credit decisions with an ability to justify such if challenged (whether by Front Office or Senior Management) with sound reasoning;

Rewarding you

As part of the family, you’ll continue to receive our simple, personal and fair rewards package. As well as your pay and bonus, you’ll be in control of your flexible benefits. What’s more, as you take on new challenges and responsibilities, you’ll be supported with all the tools, training and guidance you need to take your career even further

Why take on a new role with us?

We’re dedicated to making things simple, personal and fair for our customers, and our people. Our aim is to become the best bank in the UK, and we know you’ve been helping us make it happen. That’s why we promote an environment where everyone counts. By changing roles with us, you’ll develop new skills and experience, while continuing your development both professionally and personally. And by turning your ideas into action, we’ll grow along with you.

We’re committed to helping you achieve a reasonable balance between your home and working life. To support you in meeting your commitments outside of work, be sure to revisit our range of flexible work options, including part-time working, job sharing, career breaks and flexible holiday options. You can find out more about Flexible working at Santander here: /group/guest/flexible-working. We can also support you in making a difference in your local community, with volunteering and fundraising schemes.

For more support in finding out about future roles that match what you’re looking for register here.