Credit Risk Analyst

1 week ago

London, United Kingdom eFinancialCareers Full time

**Role & Responsibilities**
- Perform detailed credit analysis and periodic reviews of counterparties, provide independent credit risk recommendations.
- Day to day credit risk monitoring responsibilities including, but not limited to, periodic credit risk report production and investigation of out of tolerance metrics using internal or third party tools.
- Perform Credit Risk stress-tests.
- Interact with Portfolio Managers and Traders to understand credit risk appetite, refine analyses and communicate important findings.
- Improve existing and develop new methodologies (internal or using external service providers) to incorporate Climate risk and wider ESG risk in the credit risk framework.
- Develop Credit Risk modelling methodologies and solutions. This may require the analyst to manually build reports or prototypes to provide proof of concept before tools are implemented in the production environment.
- Report on credit risk profile, methodologies and processes to senior governance forums such as the Asset-Liabilities Committee (ALCO), Trade Finance Risk Committee, Fund Board, Board of Directors Audit & Risk Oversight Committee, regulators or clients.
- Work with the wider Risk team to develop and present the Risk framework, policies and procedures and answering clients or prospective clients’ requests.

**Background & Experience**
- 5 to 7 years’ credit risk analysis experience, within banking, asset management or rating agencies.
- Ability to analyse the balance sheets and creditworthiness of counterparties, in particular financial institutionsand sovereigns but not only.
- Knowledge of PD, LGD, EAD, RWA and impairments.
- Experience with credit risk systems and analytics.
- Experience with climate risk and ESG assessments.
- Knowledge derivatives product and relevant legal documentation such as credit risk mitigation documents (e.g. ISDA, CSA, GMRA).
- Knowledge of fixed income, currency markets and credit derivatives such as CDS.
- Highly numerate, good understanding of mathematical / statistical and financial concepts.
- Knowledge of Regulatory framework such as Basel Regulation preferred.
- Experience with credit models such as internal rating methods, PD modelling or xVA modelling preferred.
- Demonstrated ability to effectively and constructively challenge the first line of defence.

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