Risk Credit Analyst

Role purpose

Strengthen the Group’s credit/counterparty risk capability through consistent credit analysis, portfolio monitoring, and data-led MI, supporting robust limit governance and forward-looking insight across entities.

Key responsibilities

• Credit analysis & reviews: lead counterparty/client assessments; maintain credit memos and periodic reviews; track conditions and follow-ups.
• Exposure, concentration & limits monitoring: produce and interpret credit exposures, limit utilisation, concentrations, and exceptions; propose escalations with supporting analysis.
• Credit MI & dashboards: build and own credit reporting packs (trend commentary, watchlists, drivers of change); partner with Quant/Data Engineer to automate and standardise.
• Stress/scenario inputs: contribute credit-focused scenarios, sensitivity analysis, and “what changed?” investigations.
• Data discipline: ensure definitions are consistent (exposure measures, limit logic, entity mapping); document methodology changes.
• Governance support: prepare inputs for ALCO / credit governance forums and ensure clear action tracking and closure evidence.

Key deliverables (examples)

• Credit watchlist + periodic review schedule
• Credit exposure & limits MI with narrative and exceptions
• Credit memos / review notes and conditions tracker
• Automated credit dashboards (where feasible) and definitions documentation

Success measures

• Better-quality, assessment-based credit decisions with clear evidence
• Fewer limit surprises; improved early-warning capability
• Reduced manual reporting and improved data consistency across entities

Benefits

• Competitive Salary
• Annual Bonus
• Private Medical

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