Credit and Risk Analyst

Credit Risk Assessment:

• Conduct thorough credit assessments for individuals, businesses, or counterparties applying for credit or loans.
• Analyse financial statements, balance sheets, income statements, cash flow statements, and other relevant financial documents to evaluate the ability of applicants to meet credit obligations.
• Use credit scoring models and other quantitative tools to assess risk and assign appropriate credit ratings.

Credit Risk Modelling & Analysis:

• Develop, implement, and refine credit risk models to evaluate and quantify credit risk exposure.
• Conduct stress tests and scenario analysis to understand the potential impact of various risk factors (e.g., economic downturns, interest rate fluctuations) on credit portfolios. • Analyse historical data, economic trends, and industry performance to support risk assessment processes.

Credit Portfolio Management:

• Monitor the companys credit portfolio to assess current risk levels and identify emerging risks.
• Review and manage the credit exposure of existing clients, ensuring that credit limits and terms align with the company’s risk appetite.
• Prepare regular portfolio reviews and risk reports for senior management, highlighting trends, risks, and key performance metrics.

Risk Mitigation:

• Identify potential risks and recommend mitigation strategies, including changes to loan structures, collateral requirements, or credit limits.
• Collaborate with senior management and lending teams to develop risk management strategies and ensure they are aligned with the organization’s overall objectives. • Recommend appropriate credit products, structures, and terms based on the client's financial condition and risk profile.

Regulatory Compliance & Reporting:

• Ensure all credit risk assessments comply with internal policies and external regulatory requirements (e.g., Basel III, Dodd-Frank).
• Stay updated with industry regulations, guidelines, and changes in financial reporting standards to ensure that credit risk processes remain compliant.
• Prepare and present credit risk reports to senior management and stakeholders, including recommendations for improving the company’s risk profile.

Collaboration & Stakeholder Interaction:

• Work closely with relationship managers, loan officers, and other departments to gather relevant information for credit assessments.
• Communicate with clients or counterparties to obtain necessary financial data and discuss credit terms or changes to credit agreements.
• Support the lending and underwriting teams by providing expert analysis and advice on credit risk matters.

Credit Monitoring & Recovery:

• Track the performance of loans and credit facilities and identify early warning signs of potential default.
• Assist in the development of strategies to mitigate risk in troubled accounts, including loan restructuring, renegotiation, or collections.
• Provide input into recovery strategies and work with collections teams to minimize loss exposure.

Qualifications:

Education: Bachelor’s degree in Finance, Economics, Accounting, Business, or related field (Master’s or professional certifications such as CFA/FRM is a plus).

Experience: 2-4 years of experience in credit risk analysis, financial analysis, or a related field, preferably in banking, financial services, or corporate credit risk.

• Technical Skills: Proficiency in financial modelling, Excel, and credit risk assessment tools. Familiarity with financial software (e.g., Moody's Analytics, S&P Capital IQ, or similar) is a plus.
• Knowledge: Strong understanding of credit risk management, financial analysis, and regulatory frameworks (e.g., Basel III, Dodd-Frank). Knowledge of industry specific credit risks is desirable.
• Analytical Skills: Strong analytical and problem-solving skills, with the ability to synthesize complex financial data into actionable insights.
• Communication Skills: Excellent written and verbal communication skills, with the ability to present complex data to stakeholders at all levels.
• Attention to Detail: Strong attention to detail and accuracy when assessing financial data and preparing reports.

Key Competencies:

• Risk management
• Credit analysis
• Financial modelling
• Regulatory knowledge
• Portfolio management
• Decision-making support
• Stakeholder management
• Problem-solving
• Analytical thinking