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Senior Credit Analyst

  • Location

    Sheffield

  • Discipline:

    Credit Risk & Analytics

  • Job type:

    Permanent

  • Salary:

    Up to £48,000 pa

  • Consultant:

    Nuhaa Mohamed

  • Email:

    nmohamed@merje.com

  • Job ref:

    NM/14985

  • Published:

    23 days ago

This role will work as part of a team of analysts to develop strategy, MI and analytics to support portfolio & asset management, collections, recoveries, loss forecasting, capital management, loss management and provisioning.

 

 

 

This Client does not provide sponsorship.

 

 

 

Key Responsibilities of the Senior Credit Analyst-

 

  • Monitor credit risk performance against agreed plans, targets and budgets and work with the Senior Credit Manager to propose and agree actions required to address any performance issues and/or to capitalise on opportunities
  • Support Central Modeling team in the build, validation, implementation, monitoring and stress testing of AIRB models
  • Actively participate in technical design committees or similar that drive AIRB and IFRS9 decisions
  • Develop and provide high quality credit risk related MI and insight to Credit management and other major stakeholders to support strategy and informed decision making
  • Effectively summarise and communicate findings using appropriate written and graphical techniques in Excel and PowerPoint
  • Ensure compliance with prudent Collections & Recoveries standards and assist Operations and Finance to ensure that Bad Debt is managed appropriately and all processes comply with the regulatory guidance.
  • Continue to improve Stress Testing and Loss Forecasting approaches and Bad Debt Budget setting
  • Maintain relevant Credit Policies to ensure the delivery of business objectives and alignment with Bank Credit Policy

Ideal knowledge and experience of the Senior Credit Analyst:

  • Previous Credit Risk experience including exposure to Basel, IRB & IFRS9, preferably in a retail environment
  • Experience of Business Objects/SAS/Alteryx and/or other similar data analytical tools
  • Strong analytical mindset to be able to understand and investigate complex issues in a methodical manner
  • Strong knowledge of Microsoft Excel, and also experience of Microsoft Word and PowerPoint
  • Good written and verbal communication skills with the ability to interact and communicate complex information to management and non-credit colleagues
  • Ability to work effectively within a team, sharing best practices and fostering a positive team spirit
  • Knowledge of data mining techniques to extract, manipulate and interpret large data sets
  • A positive ‘can do’ attitude