Senior Credit Risk Analyst

2 weeks ago


Nottingham, United Kingdom MERJE Full time

Senior Credit Risk Analyst- Nottingham (Hybrid 2 days a week)- £50K- £60K

My Client is on the search for a Senior Credit Risk Analyst to be responsible for driving insight on credit risk strategies using varying data approaches; regularly monitoring key trends in the portfolio and the wider market and identifying risks that operate with them; and analysing and presenting reports to stakeholders. This role also supports a variety of risk management activities including credit decisioning and impairment models.

As a Senior Analyst you’ll have the opportunity to manage and mentor junior team members and work on in-depth project-based analysis.

Key Responsibilities:

  • Identify new opportunities to improve credit performance, communicate the benefit to key stakeholders and support implementation and monitoring of new strategies.
  • Evaluate new and current customers creditworthiness to ensure the business continues to lend safely and remains within Risk Appetite.
  • Produce timely and accurate credit risk MI and analysis, communicating any trends or concerns, drawing conclusions, and recommending action.
  • Develop and maintain credit risk models to assess the probability of default, loss given default, and exposure at default.
  • Support advanced model development, regular model insights and out of course analytical insights and investigations.
  • Improve credit risk models, data and processes, by identifying improvements that can be made and recommending potential solutions.

Key Requirements:

  • In- depth knowledge of standard and advanced analytical techniques.
  • Knowledge and confidence using SQL, Python, SAS and/or R.
  • Knowledge of a variety of risk management topics such as IFRS9, IRB, Climate risk, and automated credit decisioning.
  • Understanding of Credit Reference Agency data and uses in portfolio monitoring.
  • Awareness of the Regulations including EBA Capital Requirements, Mortgage Credit Directive, FCA Mortgage conduct of business, GDPR and PRA Supervisory Statements.
  • In depth understanding of IFRS 9 accounting standard and impairment modelling.
  • Strong critical thinking, interpretation, and facilitation skills.
  • Excellent problem solving and decision-making skills.

If interested, please send your CV to nmohamed@merje.com

**NOTE- This Client cannot provide sponsorship so candidates need to have valid right to work**



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