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For Companies At a Glance
- Tasks: Analyse financial data to assess creditworthiness and support risk assessment activities.
- Company: Established financial services organisation with a supportive team culture.
- Benefits: Competitive salary, hybrid working, generous holiday, and private healthcare.
- Why this job: Join a dynamic team and make impactful decisions in credit risk management.
- Qualifications: 2+ years in credit risk or financial analysis with strong data interpretation skills.
- Other info: Opportunities for long-term development and continuous improvement.
The predicted salary is between 24000 - 40000 £ per year.
Astute Recruitment are working with a well-established financial services organisation to recruit an experienced Credit Risk Analyst to join their growing team based in Uttoxeter. This role is ideal for someone analytical, commercially aware and confident working with financial data. You will play a key part in supporting credit decisioning and risk assessment activity.
Main Duties:
- Conducting detailed financial analysis for new and existing customer accounts
- Assessing financial statements, credit reports and lending ratios to evaluate creditworthiness
- Supporting the preparation of credit applications and facility reviews
- Managing the process of obtaining financial information for account reviews
- Liaising with internal stakeholders to provide clear, data-led credit recommendations
- Working with the wider credit team to improve processes and efficiencies
- Developing data sets and benchmarks to support higher quality analysis across sectors
Other Duties:
- Monitoring account performance and identifying early warning signs of credit deterioration
- Supporting portfolio reviews and ongoing risk monitoring
- Ensuring all lending activity adheres to legal, regulatory and company policies
- Providing timely and accurate support to both Credit and Sales teams
- Contributing to continuous improvement within credit risk reporting and analysis processes
Candidate Requirements:
- Minimum 2 years experience in credit risk, lending, or financial analysis within a commercial environment
- Strong understanding of financial statements and risk assessment principles
- Confident interpreting financial data and key lending ratios
Benefits and Salary:
- Salary up to £32,000 depending on experience
- 37.5 hours per week, Monday - Friday
- Hybrid working available (following training and business requirements)
- 25 days holiday plus bank holidays
- Enhanced employer pension contribution
- Discretionary bonus scheme
- Private healthcare and wellbeing support
- Additional employee benefits and discount schemes
- Free on-site parking
- Long-term development opportunities within a supportive team environment
Credit Risk Analyst in Stoke-on-Trent employer: Astute Recruitment Limited
Contact Detail:
Astute Recruitment Limited Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Analyst in Stoke-on-Trent
✨Tip Number 1
Network like a pro! Reach out to your connections in the finance sector, especially those who work in credit risk. A friendly chat can lead to insider info about job openings or even a referral.
✨Tip Number 2
Prepare for interviews by brushing up on your financial analysis skills. Be ready to discuss how you've assessed creditworthiness in the past and share specific examples of your analytical prowess.
✨Tip Number 3
Don’t just apply anywhere; focus on companies that align with your values and career goals. Use our website to find roles that excite you and match your skills in credit risk analysis.
✨Tip Number 4
Follow up after interviews! A quick thank-you email can keep you top of mind and show your enthusiasm for the role. Plus, it’s a great chance to reiterate why you’re the perfect fit for their team.
We think you need these skills to ace Credit Risk Analyst in Stoke-on-Trent
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Credit Risk Analyst role. Highlight your experience with financial analysis and risk assessment, and don’t forget to mention any relevant tools or methodologies you’ve used.
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you’re passionate about credit risk and how your skills align with our needs. Keep it concise but impactful!
Showcase Your Analytical Skills: In your application, be sure to showcase your analytical skills. Provide examples of how you've successfully assessed financial statements or improved processes in previous roles. We love data-driven stories!
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It helps us keep track of your application and ensures you don’t miss out on any important updates from us!
How to prepare for a job interview at Astute Recruitment Limited
✨Know Your Numbers
As a Credit Risk Analyst, you'll be dealing with financial data all the time. Brush up on your understanding of financial statements, credit reports, and key lending ratios. Be ready to discuss how you’ve used these in past roles to assess creditworthiness.
✨Prepare Real-Life Examples
Think of specific instances where you've conducted financial analysis or supported credit decision-making. Use the STAR method (Situation, Task, Action, Result) to structure your answers. This will help you demonstrate your analytical skills and commercial awareness effectively.
✨Showcase Your Stakeholder Skills
You’ll need to liaise with internal stakeholders, so be prepared to talk about how you've communicated complex data-led recommendations in the past. Highlight any experience you have in collaborating with teams to improve processes and efficiencies.
✨Stay Updated on Regulations
Make sure you're familiar with the legal and regulatory frameworks that govern lending activities. Being able to discuss how you ensure compliance in your work will show that you take risk management seriously and understand its importance in the role.
