Senior Credit Risk Analyst

5 days ago

London, United Kingdom Advantage Resourcing Full time

Role: Senior Credit Risk Analyst

Contract Length: 6 Month (Initial Contract)
Location: London (Remote - Occasional office)
IR35: Inside

**The Role**
- Assess the creditworthiness of new and renewing business customers, in accordance with internal processes. Including, credit score interrogation, payment history, sector outlook, financial ratio analysis and detailed news checks.
- Perform ongoing analysis and monitoring of counterpart/customers credit risk exposure and provide efficient and insightful credit risk reporting, analysis and data validation, responding dynamically to business and market developments.
- Work with Commercial and Legal teams to understand the contractual value vs risk balance
- Represent the Senior Manager of Credit Risk Control on projects that have an impact on Credit Risk, ensuring that all areas of credit risk are considered and consistent with policy.
- Deliver credit risk commentary, advice and expert analysis to commercial teams, senior management through regular reporting requirements and ad hoc requests
- Gain expert knowledge of credit scoring agencies scorecards and processes, including Dunn & Bradstreet and Experian
- Support Senior Manager of Credit Risk Control, in the operation of the various Credit Risk committees
- Working alongside 3 Analysts and 4 Senior Analysts
- Stakeholders across Business (UK) - Sales and Marketing (I&C, SME, Resi), WMO, Generation, Supply Chain up to Director level Knowledge,

**Skills, Qualifications & Experience Knowledge & Skills**
- Awareness of credit risk methodologies and management techniques
- Understanding of and ability to interpret financial statements (further training will be provided)
- Commercial acumen with the ability to understand complex commercial and contractual matters
- Good understanding of the UK energy markets
- Strong IT and modelling skills (Excel; MS Access) - Python/SQL would be an advantage
- Able to establish and maintain effective internal and external business relationships with key stakeholders at all levels
- Developed communication and negotiating skills
- Strong analytical, critical thinking and problem-solving skills
- Strong organisational and time management skills with a high level of attention to detail
- Ability to innovate and design new concepts

**Qualifications & Experience**
- Part qualified accountant or business analyst certification (desirable but not essential)
- Knowledge of I&C/SME operations
- Internal and/or external stakeholder management

**Key Competencies**
- Ability to learn new processes quickly and take responsibility for output
- An interest in understanding how transactions can go wrong
- Driven by a responsibility to protect our business from credit losses
- Able to support team members with care and consideration
- Influencing others and effective stakeholder management

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