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Credit Risk Analyst, Birmingham, Hybrid

eFinancialCareers
Job LocationBirmingham
EducationNot Mentioned
SalaryCompetitive salary
IndustryNot Mentioned
Functional AreaNot Mentioned
Job TypePermanent , full-time

Job Description

Our client, a fast-growing Challenger bank is seeking a highly skilled Credit Risk Analyst to join their dynamic team. In this role, you will have the opportunity to make a real impact on their credit risk analysis processes and contribute to the growth andsuccess of the Bank.Responsibilities

  • Provide specific quantitative and risk expertise including the provision of models and stress testing;
  • Analyse data sets to identify trends, patterns, and potential risks, and provide insights to inform credit risk decision-making.
  • Drive the implementation of automation technology to streamline credit risk processes and enhance efficiency.
  • Develop and implement credit decision models and scorecards to automate credit risk assessments and improve credit decision-making.
  • Perform expected loss calculations to estimate credit risk exposure.
  • Conduct stress testing scenarios to assess the resilience of the credit portfolio.
  • Stay up-to-date with relevant regulatory requirements and ensure compliance with credit risk regulations and guidelines.
  • Monitor in-life performance of loans and exposures to identify increased credit risk and recommend mitigating actions
  • Maintain relationships with Credit Reference Agencies, ensuring the Bank is optimising the use of available products.
  • Liaising with third-party data/service providers to enhance the application process flow
  • Working closely with the First Line to ensure processes and procedures are optimised to deliver minimum bad debt levels
  • Maintain the relationship with the Bank’s valuation & conveyancing partners
  • Oversight of the Bank’s Servicing & Collections activities
Experience
  • Previous experience working in a credit analyst role in the banking sector
  • Experience of assessing secured and unsecured commercial lending applications, including analysis of financial statements;
  • Significant experience of using current commercial IT lending platforms;
  • Experience of reviewing applications from brokers
  • Understanding of at least one of the following areas:o Credit Risko Internal Ratings-Based Modelso Quantitative Risk Modellingo Stress Testing
Qualifications & Personal Characteristics
  • Bachelor’s degree in finance, accounting, or other business-related fields
  • Two to five years of strong quantitative experience
  • Strong proficiency in MS Office and general computer use
  • Ability to effectively manage competing deadlines for projects in a high-pressure work environment, with varying degrees of supervision

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