Senior Credit Analyst

About the Role

Our client is recruiting a proactive and skilled Senior Credit Analyst to enhance their risk management team in Liverpool . This role is vital in assessing the creditworthiness of potential and existing clients, ensuring the organization mitigates financial risk effectively. You will conduct thorough financial analyses, provide recommendations on credit facilities, and monitor loan portfolios. This position offers a great opportunity to contribute to sound lending practices within a stable financial institution, working in a collaborative hybrid environment that supports professional growth and a healthy work-life balance in the dynamic city of Liverpool .

Key Responsibilities

• Analyze financial statements, credit reports, and market data to assess client credit risk.
• Prepare detailed credit memorandums and recommendations for loan approvals or rejections.
• Monitor existing credit facilities and covenants, identifying potential issues or breaches.
• Develop and maintain strong relationships with internal stakeholders and clients regarding credit matters.
• Ensure compliance with internal credit policies and external regulatory requirements.
• Contribute to the continuous improvement of credit risk assessment methodologies.

Requirements

• Bachelor's degree in Finance, Economics, Accounting, or a related field.
• Minimum of 4 years of experience in credit analysis, risk management, or a related financial role.
• Strong understanding of financial analysis, risk assessment techniques, and loan structuring.
• Proficiency in financial modeling and analytical software.
• Excellent communication, negotiation, and problem-solving skills.

Benefits

• Competitive salary with performance-based incentives.
• Comprehensive medical, dental, and vision insurance.
• Generous holiday allowance and company pension scheme.
• Opportunities for professional development and credit risk certifications.
• Hybrid working model, blending office collaboration with remote flexibility.