Credit Risk Analyst

3 days ago

Glasgow, Glasgow City, United Kingdom S Three Full time
About the Role

We are seeking a highly skilled Credit Risk Analyst to join our Information Technology team at S Three. As a key member of our team, you will play a crucial role in assessing the creditworthiness of potential borrowers and ensuring the accuracy of all received data.

Key Responsibilities
  • Financial Analysis: Analyze a company's balance sheet, reviewing the assets, liabilities, and stockholder's equity to determine its financial standing and ability to repay debt.
  • Credit Risk Assessment: Use financial data, such as a company's income, collateral, and existing debt, to assess the risk of lending money to a particular company or individual.
  • Policy Adherence: Adhere to credit risk policies and perform periodic checks of customer's credit limits in alignment with a clean Open AR.
  • New Customer Assessment: Assess the creditworthiness of new customers using various financial metrics and credit checks.
  • Data Management: Ensure the precision and correctness of customer data, including credit information.
  • Master Data Maintenance: Maintain and update the master data set, including customer credit data.
  • Credit Risk Identification: Use data analysis to identify potential credit risks and propose mitigation strategies.
  • Compliance: Ensure all data management and credit assessment practices comply with relevant laws, regulations, and industry standards.
  • Reporting: Generate reports on credit risk.
Requirements
  • Experience: Prior experience in credit risk analysis or data management.
  • Financial Acumen: Strong ability to interpret complex financial data and derive insights.
  • Data Analysis: Proficiency in data analysis tools and software.
  • Attention to Detail: High level of precision to ensure data accuracy and consistency.
  • Technical Skills: Advanced Microsoft Excel (VLOOKUPS, SUMIF, Pivot Tables) with an excellent standard of formatting.
  • Financial Systems: Good working knowledge of financial systems (with previous experience of SAP).
  • Workload Management: Ability to prioritize workloads with minimal supervision.
  • Qualifications: Degree in Finance, Economics, Business, Statistics, or related field.
What We Offer
  • Flexible Working: The choice to work flexibly from home and the office, in line with our hybrid working principles.
  • Performance-Based Bonus: Bonus linked to company and personal performance.
  • Holiday Allowance: Generous 28 days holiday allowance, plus public holidays.
  • Annual Leave Purchase Scheme: Annual leave purchase scheme.
  • Caregiver/Dependant Leave: Five days paid Caregiver/Dependant leave per annum.
  • Volunteering Leave: Five paid days off per year for volunteering.
  • Healthcare Benefits: Private health care, discounted dental insurance and health care cash back scheme.
  • Share Scheme: Opportunity to participate in the company share scheme.
  • Discounts and Savings: Access to a range of retail discounts and savings.

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