Our Client is on the search for a Senior Credit Risk Analyst to support and develop the credit risk management activities within the business.
Key Responsibilities:
The preparation and presentation of credit risk analysis. Including production of counterparty Credit Application Requests and Portfolio analysis.
Challenge the existing credit risk processes, solve complex problems, and drive the business to adapt agilely with emerging credit risk management trends
Production of detailed counterparty Credit Application Requests, incorporating a detailed financial analysis and a full appraisal of all credit risk factors.
To ensure all credit applications processed and the associated reporting is conducted with full compliance.
To constantly monitor the credit risk environment and macro-economic trends.
Constantly review credit process, systems and data. In particular Credit / Commercial interfaces, ensuring optimal processes are in place.
Managing complex projects related to credit risk and requiring coordination with external suppliers and internal departments. Requirement to be able to autonomously drive projects and present workable results within deadlines.
Regular review of Credit policy – proactively identifying opportunities for mitigating credit risk (e.g. credit insurance, security) whilst allowing for managed growth.
Participate in meetings with Commercial teams and the customers directly, in order to resolve issues and identify solutions that enable credit facilities to be approved.
Analysis of portfolio credit reporting including potential future exposure, expected loss and Mark to Market metrics to ensure key risks and opportunities are identified.
The role holder may also be required to carry out any other duties within the scope and purpose of this role as requested by their line manager and in line with business needs.
To be aware of and comply with all company policies and procedures, including but not limited to the Group/Company Data Protection policy, Equal Opportunities policy, and the Email and Internet Acceptable Usage Policy, in addition to Fire and Health and Safety Regulations.
The role holder may also be required to carry out any other duties within the scope and purpose of this role as requested by their line manager and in line with business needs.
Key Requirements:
Strong understanding of credit risk management practices, policies, and framework
3+ year experience in a role focusing on credit risk/financial analysis
Data analytics / reporting / modelling experience advantageous
Strong analytical and organizational skills with the ability to communicate complex issues in understandable manner to non-expert peers and senior management.
Excellent interpersonal skills, able to deal effectively with queries and build relationships with internal and external parties.
Excellent attention to detail and a high level of accuracy in all areas of work.
The initiative to propose solutions and to act independently and the confidence to effectively challenge the status quo.
Ability to prioritise conflicting activities and deliver results under pressure.
Driven, ambitious, self-starter who can grasp a concept quickly and deliver a reasoned investigation and analysis.
Effective written and verbal communication skills
Demonstrated ability to assess complex problems and deliver solutions
Proficient in Excel (knowledge of Python, advantageous)
If interested, please send your CV through to nmohamed@merje.com or call 0161 883 2762
