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Credit Risk Analyst
- southampton, hampshire, SO14 0AA, United Kingdom
- Permanent·On-site
- Full time
- £48,000 - £48,000 Per Annum
Job Description
About the Role
Our client is seeking a meticulous and analytical Credit Risk Analyst to join their established team in Southampton . This role is vital in assessing and managing the creditworthiness of potential and existing clients, thereby mitigating financial risk for the organization. You will analyze financial statements, credit reports, and market data to make informed recommendations on credit applications and portfolio management. Working within a busy financial services environment, you will contribute to sound lending decisions and the maintenance of a healthy loan portfolio. The position offers a fantastic opportunity to grow your career in risk management in a key southern city.
Key Responsibilities
- Evaluate credit applications and assess the financial risk associated with potential borrowers.
- Analyze financial statements, credit histories, and market data to determine creditworthiness.
- Develop and recommend appropriate credit limits and terms based on risk assessment.
- Monitor existing loan portfolios for signs of deteriorating credit quality and take proactive measures.
- Prepare detailed credit reports and present findings and recommendations to management.
- Ensure adherence to internal credit policies and external regulatory requirements.
Requirements
- Bachelor's degree in Finance, Economics, Business Administration, or a related quantitative field.
- Proven experience in credit analysis, risk assessment, or a similar financial role.
- Strong understanding of financial statements, accounting principles, and credit scoring models.
- Proficiency in data analysis tools and software, with strong Excel skills.
- Excellent analytical and problem-solving abilities, with a keen eye for detail.
Benefits
- Competitive salary commensurate with experience.
- Opportunity to work in the vibrant city of Southampton .
- Comprehensive health insurance and pension plan.
- Generous annual leave allowance.
- Professional development support and training opportunities in risk management.