Our client is seeking a highly skilled and experienced Credit Risk Analyst to manage the underwriting and expert evaluation of lending across multiple business channels. You will play a crucial role in ensuring the integrity of our credit processes, working in line with domestic and central risk policies.
Key Responsibilities
1. Expert evaluation and underwriting of lending transactions across diverse business channels.
2. Align credit decisions with central and domestic risk policies, exercising individual discretion where applicable.
3. Maintain and promote good governance and compliance, ensuring all business transactions adhere to internal credit processes.
4. Oversee credit approval processes, collateral management, and restructuring while maintaining agreed service levels.
5. Evaluate and underwrite both structured lending and cash flow-based transactions, especially in the mid-ticket sector.
6. Conduct periodic reviews of existing transactions, assessing payment history, collateral value, and market trends, and recommend updates to credit ratings or facilities.
7. Collaborate with front-office teams to provide clear guidance on risk identification, analysis, and presentation.
8. Ensure all transactions meet appropriate credit sanction and compliance with industry regulations (AML, data protection, etc.).
9. Recommend credit decisions for transactions beyond your sanctioning authority and ens...