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Senior Credit Analyst
- liverpool, merseyside, L1 8JQ, United Kingdom
- Permanent·Remote
- Full time
- £58,000 - £58,000 Per Annum
Job Description
About the Role
Our client is seeking a highly analytical and experienced Senior Credit Analyst to join their lending and risk management team in Liverpool . This position is crucial for evaluating the creditworthiness of potential borrowers, assessing financial risks, and structuring loan facilities. You will play a key role in ensuring the soundness of the company's loan portfolio by providing well-reasoned credit recommendations. This is an excellent opportunity for a skilled financial professional to contribute to strategic lending decisions within a reputable financial institution, fostering a culture of prudent risk management and robust financial assessment in the vibrant city of Liverpool .
Key Responsibilities
- Analyze financial statements, credit reports, and other financial data to assess the credit risk of corporate and commercial clients.
- Prepare comprehensive credit analysis reports, including financial projections and risk assessments.
- Structure loan proposals and term sheets, ensuring alignment with company credit policies and risk appetite.
- Monitor existing loan portfolios, identify potential issues, and recommend proactive solutions.
- Collaborate with relationship managers to understand client needs and provide expert credit advice.
- Stay current with industry trends and regulatory changes affecting credit risk management.
Requirements
- Bachelor's degree in Finance, Economics, Accounting, or a related field.
- Minimum of 5 years of experience in credit analysis, commercial lending, or financial risk management.
- Strong understanding of financial statement analysis, ratio analysis, and cash flow assessment.
- Proficiency in financial modeling and loan structuring.
- Excellent written and verbal communication skills, with the ability to present complex information clearly.
- Keen attention to detail and strong problem-solving abilities.
- Experience with loan origination software is a plus.
Benefits
- Competitive annual salary and performance-based bonus.
- Comprehensive health, dental, and vision insurance.
- Generous pension plan with company contributions.
- Opportunities for professional development and credit risk certifications.
- Remote working flexibility for eligible candidates.
- Supportive team environment with a focus on career growth.