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For Companies At a Glance
- Tasks: Manage credit risk for a diverse portfolio and support liquidity risk monitoring.
- Company: Dynamic financial institution with a focus on risk management.
- Benefits: Competitive salary, hybrid work model, and opportunities for professional growth.
- Why this job: Join a proactive team and make a real impact in financial risk management.
- Qualifications: 3+ years in credit or financial risk analysis with strong analytical skills.
- Other info: Exciting career development opportunities in a supportive environment.
The predicted salary is between 36000 - 60000 £ per year.
Overview
An exciting opportunity has arisen for a proactive and experienced Analyst to join a growing Risk team. This role focuses primarily credit risk management, assessing the creditworthiness of a diverse portfolio of counterparties and recommending appropriate trading limits.
In addition to credit risk responsibilities, the successful candidate will support liquidity risk monitoring and reporting, playing a key part in strengthening the firm’s overall financial risk framework. This is a crucial position within the second line of defence, ensuring robust oversight and governance across all financial risk areas.
Key Responsibilities
- Manage and monitor a portfolio of around 150–200 counterparties, overseeing new trading requests and conducting regular credit reviews.
- Perform detailed quantitative and qualitative analysis of financial statements to assess creditworthiness.
- Recommend internal ratings and trading limits in line with the firm’s risk appetite.
- Serve as the main risk contact for a designated business area, attending regular meetings to review onboarding and client-related matters.
- Monitor exposures, investigate breaches, and provide commentary for senior management.
- Maintain accuracy of counterparty static data and hierarchy information.
Liquidity Risk
- Support analysis of key liquidity metrics, including Liquid Asset Threshold Requirements.
- Contribute to quarterly Interest Rate Risk in the Banking Book (IRRBB) assessments.
- Assist in liquidity risk calculations for the annual ICARA process.
- Produce monthly and quarterly liquidity management information (MI).
Reporting
- Share responsibility for daily, weekly, and monthly financial risk reporting, such as breach logs, early warning indicators, and key risk indicator updates.
- Identify opportunities to improve reporting processes and enhance data insight.
Other Responsibilities
- Contribute to the development and review of internal credit rating models and related documentation.
- Maintain and update departmental policies and procedures on risk processes and methodologies.
- Participate in testing and enhancement of risk systems and tools.
Skills & Experience
- Minimum 3 years’ experience as a Credit or Financial Risk Analyst managing a portfolio of clients.
- Strong understanding of credit risk concepts across financial institutions, corporates, and funds.
- Excellent analytical and problem-solving skills with strong attention to detail.
- Effective communicator with the ability to engage stakeholders across the business.
- Strong time management skills and ability to work under pressure while maintaining high standards.
- Sound knowledge of risk management policies, processes, and governance frameworks.
Seniority level
Mid-Senior level
Employment type
Full-time
Job function
Analyst
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Credit Risk Analyst / Manager employer: ETRA Talent
Contact Detail:
ETRA Talent Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Analyst / Manager
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect on LinkedIn. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by researching the company and its risk management practices. Be ready to discuss how your experience aligns with their needs, especially around credit risk and liquidity management.
✨Tip Number 3
Practice your responses to common interview questions, but keep it natural. Use the STAR method (Situation, Task, Action, Result) to structure your answers and showcase your analytical skills.
✨Tip Number 4
Don’t forget to follow up after interviews! A quick thank-you email can leave a lasting impression and show your enthusiasm for the role. Plus, it keeps you on their radar!
We think you need these skills to ace Credit Risk Analyst / Manager
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Credit Risk Analyst role. Highlight relevant experience and skills that match the job description, like your analytical abilities and understanding of credit risk concepts. We want to see how you fit into our team!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about credit risk management and how your background makes you a great fit for us. Keep it concise but engaging – we love a good story!
Showcase Your Analytical Skills: Since this role involves detailed analysis, make sure to showcase your analytical skills in your application. Mention specific tools or methodologies you've used in the past to assess creditworthiness. We’re keen on seeing your problem-solving prowess!
Apply Through Our Website: Don’t forget to apply through our website! It’s the best way for us to receive your application directly. Plus, it shows you’re serious about joining our team. We can’t wait to hear from you!
How to prepare for a job interview at ETRA Talent
✨Know Your Numbers
Brush up on your quantitative analysis skills! Be prepared to discuss how you've assessed creditworthiness in the past, including specific metrics and methodologies you've used. This will show that you can handle the detailed financial analysis required for the role.
✨Understand the Risk Landscape
Familiarise yourself with current trends in credit risk management, especially within financial institutions. Being able to discuss recent developments or regulatory changes will demonstrate your proactive approach and understanding of the industry.
✨Prepare Real-Life Examples
Think of specific situations where you've successfully managed a portfolio or improved reporting processes. Use the STAR method (Situation, Task, Action, Result) to structure your answers, making it easier for interviewers to see your impact.
✨Engage with Stakeholders
Since effective communication is key, prepare to discuss how you've engaged with various stakeholders in previous roles. Highlight your ability to convey complex information clearly and how you've built relationships across teams to enhance risk governance.
