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Credit Risk Assessment Specialist
2 months ago
Crowd2Fund operates as a peer-to-peer investment platform, enabling businesses to secure funding from private investors through an online marketplace and community. This innovative approach allows entrepreneurs to access quality capital while providing investors with unique opportunities that yield enhanced returns and a streamlined investment experience.
Our office environment is designed for collaboration and creativity, featuring recreational amenities. We support a flexible working model, requiring a minimum of three days in the office. Our team is small, fostering a close-knit and cooperative atmosphere.
Position Overview:
We are looking for a dedicated Credit Risk Analyst to leverage Crowd2Fund's proprietary methodologies and standards for evaluating applications and structuring deals. Your role will involve developing scorecards, scrutinizing financial data, pricing and underwriting loans, creating credit risk models, and tracking portfolio performance to improve decision-making processes. The ideal candidate will collaborate with various teams to ensure that credit risk strategies are in line with business goals while adhering to regulatory standards. Experience with industry best practices is highly desirable.
Key Responsibilities:
1) Data Analysis & Risk Evaluation:
- Collaborate with the origination team to underwrite requests for both new and existing clients, taking full ownership of the credit process.
- Examine data to identify patterns, evaluate risk levels, and implement effective risk management strategies.
- Assess and analyze the performance of credit risk scorecards, suggesting enhancements for ongoing improvement.
- Evaluate financial data (including annual reports, bank statements, and credit agency information) to determine the risk associated with extending credit to small and medium-sized enterprises on an individual basis.
- Make funding recommendations, including identifying exceptions to credit policy and potential mitigants.
2) Campaign and Secondary Market Assistance:
- Review financial documents for new funding campaigns launching on the platform.
- Oversee the Secondary Market Exchange and approve listings.
- Support the Customer Service team with inquiries.
- Assist with various tasks as needed by the company.
- Draft credit and inflation risk commentary for campaign pages prior to launch.
3) Portfolio Oversight:
- Track the performance of the credit portfolio, identifying areas for enhancement and proactively proposing solutions.
- Create and maintain standard reporting tools for client portfolio assessments.
- Manage the high-value approvals log and the Credit Policy Exceptions Log.
4) Collaboration & Support:
- Work with cross-functional teams, including Origination and Placement, to align credit risk strategies with overall business objectives.
- Assist the Origination and broker relations team with data requests and credit-related inquiries.
- Establish strong working relationships with external suppliers.
- Represent the Credit and Risk teams in internal meetings.
- Serve as the secretary for the Credit Committee, organizing meetings, preparing agendas and minutes, and implementing approved changes. Eventually, become a voting member of the Credit Committee.
5) Regulatory Compliance:
- Ensure that all credit risk management practices adhere to regulatory requirements and industry best practices.
6) Performance Monitoring & Reporting:
- Develop and track key performance indicators (KPIs) to evaluate the effectiveness of credit risk strategies.
- Proactively identify performance exceptions and recommend corrective measures.
- Generate and distribute monthly performance reports for stakeholders.
7) Scorecard Management:
- Regularly review scorecard performance and suggest changes for consideration.
- Assist in implementing scorecard modifications to enhance credit decision accuracy.
8) Credit Risk Strategy Development:
- Lead the development and refinement of credit risk strategies to support business objectives, such as increasing acceptance rates and improving decision-making processes.
- Contribute to the design and implementation of credit risk models and frameworks that align with business goals.
Qualifications:
- Bachelor's degree in Finance, Economics, Statistics, or a related discipline.
- Demonstrated experience, ideally 3-5 years, in credit risk analysis, modeling, or a related field with UK/European SMEs.
- Strong analytical capabilities with proficiency in data analysis tools (e.g., SQL, Python, R).
- Experience in developing and refining credit risk strategies.
- Background in a regulated role, delivering best practices in credit risk management.
- Excellent communication and teamwork skills, with the ability to work effectively in cross-functional environments.
- Attention to detail and the capacity to manage multiple tasks simultaneously.
- Strong understanding of regulatory requirements related to credit underwriting.
- Proficiency in Microsoft Office Suite, particularly Excel and Google Suite.
- Prior experience in a lending fintech or banking environment is preferred.
