Credit Risk Analyst

About the Role

Our client is seeking a diligent and analytical Credit Risk Analyst to join their established team in Leeds . This role is essential for assessing the creditworthiness of potential and existing clients, managing credit exposure, and ensuring the health of the loan portfolio. You will play a key role in developing and implementing credit policies and procedures, contributing to sound lending decisions. This is a great opportunity to develop your career in risk management within the vibrant financial sector of the North of England , with a focus on providing robust risk assessments.

Key Responsibilities

• Analyze financial statements, credit reports, and market data to assess the credit risk of new and existing clients.
• Make recommendations on credit applications, including setting appropriate credit limits and terms.
• Monitor the credit portfolio, identify deteriorating credits, and implement early warning strategies.
• Develop and maintain credit risk models and scoring systems.
• Ensure compliance with internal credit policies and external regulatory requirements.
• Prepare regular reports on credit portfolio performance and risk exposures for senior management.

Requirements

• Bachelor's degree in Finance, Economics, Mathematics, or a related quantitative field.
• 2-4 years of experience in credit analysis, risk management, or a similar role within the banking industry.
• Strong understanding of financial statement analysis, credit scoring, and risk assessment techniques.
• Proficiency in data analysis tools and techniques (e.g., Excel, SQL).
• Excellent analytical, problem-solving, and communication skills.

Benefits

• Competitive salary and annual performance bonus.
• Comprehensive health and wellness benefits.
• Generous annual leave allowance.
• Opportunities for professional development and credit risk certifications.
• A hybrid work environment offering flexibility and collaboration in Leeds .