Credit Risk Analyst

About the Role

Our client is looking for a detail-oriented Credit Risk Analyst to join their analytical team in Bradford . This role is essential for evaluating the creditworthiness of potential borrowers and managing the credit risk exposure of the company's loan portfolio. You will utilize sophisticated analytical techniques and data tools to assess risk, develop credit scoring models, and provide recommendations to support lending decisions. This position offers a great opportunity to contribute to sound financial risk management within a reputable banking institution.

Key Responsibilities

• Analyze financial statements, credit reports, and market data to assess the credit risk of new and existing clients.
• Develop, validate, and implement credit scoring models and risk assessment methodologies.
• Monitor the performance of the loan portfolio and identify potential areas of concern.
• Prepare comprehensive credit reports and present findings and recommendations to credit committees.
• Ensure compliance with all relevant credit policies, procedures, and regulatory requirements.
• Collaborate with lending teams to provide expert advice on credit risk matters.

Requirements

• Bachelor's degree in Finance, Economics, Statistics, Mathematics, or a related field.
• Minimum of 3 years of experience in credit risk analysis, lending, or a related financial role.
• Strong quantitative and analytical skills, with proficiency in statistical software (e.g., R, Python, SAS).
• Excellent understanding of financial markets and credit products.
• Proficiency in data analysis and visualization tools.

Benefits

• Attractive salary package with annual performance reviews.
• Comprehensive health and wellness benefits.
• Pension scheme with company contributions.
• Opportunities for professional development and certifications in risk management.
• A collaborative work environment fostering professional growth in Bradford .