Credit Risk Analyst

About the Role

Our client is looking for a meticulous Credit Risk Analyst to join their team in Bradford . This hybrid role is central to assessing the creditworthiness of clients and managing the associated risks for the firm. You will analyze financial data, evaluate loan applications, and develop risk mitigation strategies, contributing to sound lending decisions. Working both in the Bradford office and remotely, you will collaborate with lending officers and senior management to maintain a healthy loan portfolio and safeguard the company's financial stability. This position is ideal for a sharp, analytical mind passionate about risk management in the banking and finance sector.

Key Responsibilities

• Analyze financial statements, credit reports, and other data to assess the credit risk of new and existing clients.
• Develop and maintain credit scoring models and risk assessment frameworks.
• Monitor loan portfolio performance and identify potential credit deterioration.
• Recommend appropriate credit limits, terms, and collateral requirements.
• Prepare detailed credit reports and presentations for credit committees and senior management.
• Stay updated on industry trends and regulatory changes affecting credit risk.

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 role within financial services.
• Strong understanding of financial statement analysis, cash flow assessment, and credit risk principles.
• Proficiency in data analysis tools and software (e.g., Excel, SQL).
• Excellent analytical, problem-solving, and decision-making skills.
• Ability to effectively manage tasks in a hybrid work environment.

Benefits

• Competitive salary with performance-based incentives.
• Comprehensive health and wellness benefits package.
• Opportunities for professional development and continuing education.
• A dynamic team environment offering both office-based collaboration and remote flexibility.
• Contribute significantly to the financial health of the organization from our Bradford base.