All Sectors
Sector Guide

Banking & Financial Services

Banking encompasses retail, commercial, investment, and transaction banking. Banks act as financial intermediaries, providing credit, capital markets services, and payment infrastructure.

Current Trends

Interest rate normalisationAI in credit decisioningOpen banking/API ecosystemsBasel III/IV capital requirementsDigital asset regulationESG-linked lendingPayments modernisation

Graduate Roles

Graduate AnalystRelationship ManagerCredit AnalystOperations AnalystTechnology AnalystRisk Analyst

Technical Areas

  • Financial statements analysis
  • Credit risk fundamentals
  • Interest rate mechanics
  • Capital markets basics
  • KYC/AML compliance
  • Regulatory framework (Basel, MiFID)

Relevant Certifications

CFA Level 1IMC (Investment Management Certificate)CISI CertificateBloomberg Market Concepts (BMC)FCA Consumer Duty awarenessAML/KYC fundamentals

Sector-Specific Interview Questions

1

What are the three main ways a bank makes money?

2

Explain quantitative easing to a non-specialist.

3

What is a credit default swap?

4

What do you think is the biggest risk facing UK banks in the next 3 years?

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