Job Description
Senior Credit Risk Analyst- Nottingham (Hybrid 2 days a week)- £50K- £60K
My Client is on the search for a Senior Credit Risk Analyst to be responsible for driving insight on credit risk strategies using varying data approaches; regularly monitoring key trends in the portfolio and the wider market and identifying risks that operate with them; and analysing and presenting reports to stakeholders. This role also supports a variety of risk management activities including credit decisioning and impairment models.
As a Senior Analyst you’ll have the opportunity to manage and mentor junior team members and work on in-depth project-based analysis.
Key Responsibilities:
- Identify new opportunities to improve credit performance, communicate the benefit to key stakeholders and support implementation and monitoring of new strategies.
- Evaluate new and current customers creditworthiness to ensure the business continues to lend safely and remains within Risk Appetite.
- Produce timely and accurate credit risk MI and analysis, communicating any trends or concerns, drawing conclusions, and recommending action.
- Develop and maintain credit risk models to assess the probability of default, loss given default, and exposure at default.
- Support advanced model development, regular model insights and out of course analytical insights and investigations.
- Improve credit risk models, data and processes, by identifying improvements that can be made and recommending potential solutions.
Key Requirements:
- In- depth knowledge of standard and advanced analytical techniques.
- Knowledge and confidence using SQL, Python, SAS and/or R.
- Knowledge of a variety of risk management topics such as IFRS9, IRB, Climate risk, and automated credit decisioning.
- Understanding of Credit Reference Agency data and uses in portfolio monitoring.
- Awareness of the Regulations including EBA Capital Requirements, Mortgage Credit Directive, FCA Mortgage conduct of business, GDPR and PRA Supervisory Statements.
- In depth understanding of IFRS 9 accounting standard and impairment modelling.
- Strong critical thinking, interpretation, and facilitation skills.
- Excellent problem solving and decision-making skills.
If interested, please send your CV to nmohamed@merje.com
**NOTE- This Client cannot provide sponsorship so candidates need to have valid right to work**