Description:

Position Overview

The Credit Risk Analyst is responsible for assessing, analyzing, and monitoring the creditworthiness of customers, counterparties, and portfolios.

The role involves evaluating financial data, identifying potential risks, and providing recommendations that support sound credit decisions while maintaining the organizations risk appetite and regulatory compliance.

Key Responsibilities:

1. Credit Assessment & Analysis

- Evaluate credit applications by analyzing financial statements, cash flows, repayment capacity, and business models.

- Conduct quantitative and qualitative assessments of borrowers, industries, and market conditions.

- Recommend appropriate credit limits, structures, and risk mitigation strategies.

Portfolio Monitoring & Reporting

- Monitor existing credit exposures to identify early warning signs of credit deterioration.

- Maintain and update credit risk models, scoring systems, and rating methodologies.

- Prepare regular portfolio risk reports and dashboards for management review.

Risk Modelling & Data Analysis

- Develop and validate credit risk models, including probability of default (PD), loss given default (LGD), and exposure at default (EAD).

- Use statistical and analytical tools to support risk quantification and forecasting.

- Support stress testing and scenario analysis activities.

Policy, Compliance & Governance

- Ensure credit policies and procedures comply with internal risk frameworks and regulatory requirements (e.g., Basel III, IFRS 9).

- Support internal and external audits and regulatory reviews.

- Contribute to the development and enhancement of credit risk management policies.

Collaboration & Stakeholder Management

- Partner with business units, finance, and operations to align credit risk practices with business objectives.

- Provide insights and recommendations to senior management and credit committees.

- Support the training of relationship managers or underwriters on credit risk principles.

Qualifications & Experience:

Education:

- Bachelors degree in Finance, Economics, Accounting, Mathematics, Statistics, or related field.

- Masters degree or professional certification (e.g., FRM, CFA, PRM) preferred.

Experience:

- 25 years of experience in credit risk analysis, risk modeling, or financial analysis (for mid-level roles).

- Experience in banking, financial services, or fintech environments preferred.

Skills & Competencies:

- Strong financial and analytical skills with the ability to interpret complex data.

- Proficiency in financial modeling, Excel, and statistical tools (e.g., SAS, R, Python, SQL).

- Knowledge of credit risk frameworks, rating systems, and regulatory standards.

- Detail-oriented with strong problem-solving and communication skills.

- Ability to work under pressure and manage multiple priorities