Credit Analyst

About the Role

Our client is looking for a sharp and analytical Credit Analyst to join their credit risk team, working remotely. This role is responsible for assessing the creditworthiness of potential borrowers and existing clients, analyzing financial statements, and making recommendations on loan applications. You will play a vital role in managing the company's credit exposure and ensuring responsible lending practices. This position offers an excellent opportunity for an individual with strong financial acumen to contribute to risk mitigation and portfolio quality within the UK banking sector, from the convenience of their home.

Key Responsibilities

• Analyze financial statements, credit reports, and other relevant data to assess the credit risk of individuals and businesses.
• Prepare comprehensive credit reports and make recommendations on loan approvals, terms, and limits.
• Monitor existing credit exposures, identifying any signs of deterioration in credit quality.
• Ensure all credit decisions comply with company policies and regulatory guidelines.
• Communicate effectively with internal stakeholders and external clients regarding credit matters.

Requirements

• Bachelor's degree in Finance, Accounting, Economics, or a related field.
• 1-3 years of experience in credit analysis, lending, or a financial analysis role.
• Strong understanding of financial statement analysis, ratio analysis, and credit risk principles.
• Proficiency in MS Excel and experience with credit analysis software.
• Excellent analytical, organizational, and communication skills.

Benefits

• Competitive salary and potential for annual bonus.
• Fully remote work arrangement, offering significant flexibility.
• Comprehensive health and dental insurance coverage.
• Opportunities for professional development and training in credit risk management.
• Contributory pension plan.