Credit Risk Specialist

4 days ago

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

We are seeking a talented Credit Risk Analyst to join our Information Technology team on a fixed term basis. As a Credit Risk Analyst, you will play a crucial role in assessing the creditworthiness of potential borrowers, using balance sheet analysis, credit risk analysis, and financial ratios to minimize losses and maximize profit.

Key Responsibilities
  • Assess the creditworthiness of potential borrowers using financial data and credit checks.
  • Monitor existing loans and formulate credit risk policies to ensure lending decisions are balanced between risk and reward.
  • Screen new customers and verify their credit limits and payment terms to determine potential risk.
  • Ensure the accuracy of all received data and maintain the integrity and correctness of financial data.
  • Use data analysis to identify potential credit risks and propose mitigation strategies.
  • Generate reports on credit risk and ensure all data management and credit assessment practices comply with relevant laws, regulations, and industry standards.
Requirements
  • Prior experience in credit risk analysis or data management.
  • Strong ability to interpret complex financial data and derive insights.
  • Proficiency in data analysis tools and software.
  • High level of precision to ensure data accuracy and consistency.
  • Advanced Microsoft Excel skills with an excellent standard of formatting.
  • A good working knowledge of financial systems, preferably with previous experience of SAP.
  • Ability to prioritize workloads with minimal supervision.
What We Offer
  • Bonus linked to company and personal performance.
  • Generous 28 days holiday allowance, plus public holidays.
  • Annual leave purchase scheme.
  • Five days paid Caregiver/Dependant leave per annum.
  • Five paid days off per year for volunteering.
  • Private health care, discounted dental insurance and health care cash back scheme.
  • Opportunity to participate in the company share scheme.
  • Access to a range of retail discounts and savings.

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