Credit Risk Analyst

About the Role

Our client seeks a meticulous and analytical Credit Risk Analyst to join their team in Portsmouth . This role is vital for assessing the creditworthiness of individuals and businesses, managing loan portfolios, and mitigating financial risk for the organization. You will work closely with the lending and operations teams to ensure sound credit decisions are made. This position is based in a traditional office environment and requires a strong understanding of financial markets and risk management principles.

Key Responsibilities

• Analyze financial statements and credit data to assess the risk of lending.
• Develop and implement credit scoring models and risk assessment frameworks.
• Monitor and report on the performance of the loan portfolio, identifying potential risks.
• Make recommendations on credit limits and loan approvals.
• Ensure compliance with internal credit policies and external regulations.
• Collaborate with the sales and operations teams to manage credit risk effectively.

Requirements

• Bachelor's degree in Finance, Economics, Mathematics, or a related field.
• 1-3 years of experience in credit analysis, risk management, or a related financial role.
• Strong analytical and quantitative skills.
• Proficiency in financial modeling and data analysis techniques.
• Knowledge of credit risk assessment tools and methodologies.
• Excellent communication and report-writing skills.

Benefits

• Competitive salary and performance-related bonuses.
• Comprehensive health and pension benefits.
• Opportunities for professional development and training in risk management.
• A collaborative and supportive work environment in Portsmouth .
• Career progression opportunities within the finance department.