Credit Risk Analyst

About the Role

Our client, a respected lender, is seeking a diligent Credit Risk Analyst to join their team, offering a remote work arrangement. This role is essential for evaluating the creditworthiness of potential borrowers and managing the company's credit portfolio risk. You will be responsible for analysing financial data, assessing risk factors, and making recommendations on credit decisions. Working remotely, you will collaborate with underwriting teams and senior management to uphold the company's risk appetite and ensure sound lending practices. This position is ideal for an analytical individual looking to build a career in risk management within the dynamic banking sector, with the flexibility of working from home.

Key Responsibilities

• Analyse financial statements, credit reports, and other data to assess the credit risk of loan applicants.
• Develop and maintain credit scoring models and risk assessment frameworks.
• Monitor the performance of the credit portfolio and identify potential risks or deteriorations.
• Make recommendations for credit limits, loan terms, and collateral requirements.
• Prepare reports on credit risk exposure and portfolio quality for management.
• Stay updated on industry trends and regulatory changes affecting credit risk.

Requirements

• Bachelor's degree in Finance, Economics, Statistics, Mathematics, or a related quantitative field.
• Proven experience in credit analysis, risk management, or a similar role within the financial services or banking industry.
• Strong understanding of credit principles, financial statement analysis, and risk assessment techniques.
• Proficiency in data analysis tools and statistical software is a plus.
• Excellent analytical, problem-solving, and decision-making skills.
• Ability to work independently and manage workload effectively in a remote environment.

Benefits

• Competitive salary and performance-related bonuses.
• Comprehensive health and dental insurance plans.
• Generous annual leave entitlement.
• Opportunities for professional development and certifications in risk management.
• Fully remote working position offering excellent work-life balance.