Credit Risk & KYC Analyst - Commodities Trading

Our client is an international trading and commercial business with a diverse portfolio of counter parties across multiple markets.

As part of its continued growth, the business is looking for a Credit Risk & KYC Analyst to support counter party credit assessment, KYC onboarding and ongoing risk monitoring.

This is a hands‑on role combining credit analysis, counter party risk and technical KYC/AML due diligence. The successful candidate will work closely with commercial stakeholders while ensuring appropriate risk controls are maintained across the counter party lifecycle.

• Conduct credit assessments on new and existing counter parties, including customers, suppliers, financial institutions and other business partners.
• Analyse financial statements, management accounts, credit reports, corporate information and other relevant data to assess counter party creditworthiness.
• Prepare credit assessments and recommendations covering credit limits, payment terms, exposure levels and appropriate risk mitigants.
• Monitor counter party exposures against approved limits and identify potential breaches, deterioration in financial strength or emerging risks.
• Conduct periodic and event-driven credit reviews, updating assessments in response to changes in financial performance, ownership, business activities or market conditions.
• Review trading terms and credit support arrangements, including collateral, guarantees, letters of credit and other risk mitigation structures.
• Partner with Commercial and Trading teams to assess the credit implications of new transactions and counter parties.
• Prepare clear credit reports and recommendations for senior management and relevant approval committees.

• Perform hands‑on KYC and AML due diligence during onboarding and periodic reviews of counter parties.
• Review and verify corporate structures, beneficial ownership, directors, shareholders, authorised signatories and related entities.
• Assess KYC documentation and identify gaps, inconsistencies or areas requiring further investigation.
• Conduct screening and review of potential sanctions, AML, ownership, reputational and other counter party risks.
• Liaise directly with counter parties and internal stakeholders to obtain and validate outstanding KYC information and documentation.
• Apply a strong understanding of KYC requirements to identify higher-risk structures and
  ** escalate
  * * concerns appropriately.
• Maintain accurate and up‑to‑date records covering KYC status, counter party information, credit limits and exposures.

• Support regular reporting on credit exposures, overdue receivables, KYC status and counter party risk.
• Contribute to the development and enhancement of credit risk, KYC and counter party onboarding procedures and controls.
• Support internal and external audits and participate in risk‑related projects as required.
• Identify opportunities to improve the efficiency, quality and consistency of counter party due diligence and credit processes.

• Bachelor's degree in Finance, Accounting, Economics, Business, Risk Management or a related discipline.
• 3-6+ years of relevant experience in credit risk, credit analysis, counter party risk, KYC, AML, trade finance or a related function.
• Strong preference for candidates with hands‑on KYC experience and a solid technical understanding of KYC/AML requirements, rather than purely administrative onboarding experience.
• Experience with in commodity trading, energy, oil & gas, shipping, financial services or another complex B2B environment would be advantageous.
• Strong financial statement analysis and counter party credit assessment capabilities.
• Good understanding of KYC, AML, sanctions screening, beneficial ownership…