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Credit Analyst
- southampton, hampshire, SO15 1AA, United Kingdom
- Full time
- £48,000 - £48,000 Per Annum
Job Description
About the Role
Our client is looking for a meticulous and analytical Credit Analyst to join their busy team in Southampton . In this role, you will be responsible for assessing the creditworthiness of potential and existing clients, analyzing financial data to mitigate risk, and making informed recommendations on credit facilities. You will play a crucial part in the lending process, ensuring the company's financial health and compliance with lending policies. This is an excellent opportunity for an individual with strong quantitative skills to develop their career within the financial services industry, contributing to sound lending practices.
Key Responsibilities
- Analyze financial statements, credit reports, and other relevant data to assess the risk associated with loan applications.
- Determine credit limits and terms for new and existing clients based on risk assessment and company policy.
- Prepare detailed credit reports and recommendations for loan approval or rejection.
- Monitor the credit portfolios of existing clients, identifying any changes in risk profile.
- Ensure all credit activities comply with regulatory requirements and internal policies.
- Liaise with sales, operations, and legal departments regarding credit matters.
Requirements
- Bachelor's degree in Finance, Economics, Accounting, or a related field.
- Proven experience in credit analysis, risk assessment, or a related financial role.
- Strong understanding of financial statement analysis and credit scoring methodologies.
- Proficiency in Microsoft Excel and experience with credit management software.
- Excellent analytical and problem-solving skills, with a keen eye for detail.
- Good communication and interpersonal skills to effectively discuss credit matters.
Benefits
- Competitive annual salary.
- Health and dental insurance coverage.
- Company pension scheme.
- Opportunities for professional development and training in credit risk management.
- Collaborative working environment within a reputable financial institution.
- Regular performance reviews and potential for career advancement.