Credit Risk Analyst

About the Role

Our client is looking for a sharp and analytical Credit Risk Analyst to join their expanding financial operations in Stoke-on-Trent . In this vital role, you will assess the creditworthiness of potential borrowers, develop and implement risk management strategies, and contribute to the ongoing refinement of credit policies. You will work with diverse data sets to identify and mitigate potential financial risks, ensuring the company's robust financial health. This position is ideal for an individual with strong quantitative skills and a keen understanding of financial markets, seeking to make a tangible impact in risk management.

Key Responsibilities

• Analyze financial statements and credit data to assess the risk associated with loan applications.
• Develop, implement, and monitor credit risk models and scoring systems.
• Formulate recommendations for credit limits, terms, and collateral requirements.
• Monitor the credit portfolio for potential risks and report on key risk indicators.
• Assist in the development and enforcement of credit policies and procedures.
• Collaborate with sales and operations teams to ensure sound credit decisions.

Requirements

• Bachelor's degree in Finance, Economics, Mathematics, or a related quantitative field.
• Minimum of 3 years of experience in credit analysis, risk management, or a related banking role.
• Strong understanding of financial statements, credit scoring, and risk assessment techniques.
• Proficiency in analytical software and tools (e.g., Excel, SQL, statistical software).
• Excellent analytical, problem-solving, and decision-making skills.
• Ability to communicate complex risk assessments clearly and concisely.

Benefits

• Competitive salary and performance-related incentives.
• Comprehensive benefits package including health insurance and retirement contributions.
• Opportunities for professional development and certifications.
• Hybrid working model offering a blend of office and remote work.
• A supportive team environment focused on risk mitigation in Stoke-on-Trent .