credit Risk Analyst

2 days ago

South East England, United Kingdom Buckden Partners Limited Full time

**CREDIT RISK ANALYST**

**South East**

**Hybrid working**

Working for a Pan European Bank, the Credit Risk Analyst is positioned in Risk department and reports to the Head of Credit Risk.

**Overview of the department**

The department is responsible for analysis of the credit risks in the portfolio and for translating the findings into possible changes to policies and processes geared to the optimisation of risk and return, while taking the client's interests into account.The department also provides related management information. The department assesses and monitors credit risks associated with commercial clients. The department liaises with Operational Risk for sharing knowledge and to stimulate risk awareness.

**Responsibilities**
- Responsible for making an independent assessment of the risk proposition presented, analysing, assessing and authorising funding proposals, as well as advising colleagues on lending-related issues and coordinating lending process activities whilst aligningwith group credit policy.
- Work in close cooperation with Business Development Managers, Relationship Managers and Asset Management to assess the proposed funding requirement, the client’s credit worthiness and value of the underlying assets.
- The role holder must be able to assume delegated decision powers. Delegated credit underwriting decision authority is intuit personae by nature. It is not related to (hay) grade level, but is conferred after approval by the relevant approval authority andcan be revoked by the delegating hierarchy without notice.

**KNOWLEDGE AND EXPERIENCE**

**skills**
- **Must have proven financial industry working experience within Asset Based Lending/Commercial Finance/Invoice Finance**:

- Knowledge of commercial finance market and products and activities;
- Experience in structuring of deals;
- Ability to interpret financial statements;
- Advanced understanding of financial ratios and business principles and strong analytical skills with an ability to question assumptions;
- Advanced knowledge of credit risk analysis methodologies;
- Experience of working with Risk Factor would be beneficial;
- Highly motivated and ambitious, with high energy levels and ability to prioritize and multi-task effectively;
- Eagerness to learn and self-develop;
- Solution driven and can-do mentality;
- Good / strong Risk knowledge;
- Ability to collaborate effectively with internal Stakeholders;
- Ability to work under pressure and manage conflicting deadlines;

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