Credit Risk Analyst

Credit Risk Analyst

Full-Time 28800 - 48000 £ / year (est.) No home office possible
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At a Glance

  • Tasks: Conduct risk assessments and financial analysis to support credit control activities.
  • Company: Join Lumon, a leading foreign exchange and international payments company.
  • Benefits: Enjoy a competitive salary, hybrid working, and generous annual leave.
  • Why this job: Kickstart your finance career in a dynamic environment with real impact.
  • Qualifications: Degree in Finance or Business Administration; strong Excel skills required.
  • Other info: Be part of an inclusive team that values ambition and collaboration.

The predicted salary is between 28800 - 48000 £ per year.

Lumon is a leading foreign exchange and international payments company which enables effortless overseas payments by uniting people, technology & expertise. We help companies expand their businesses globally – from paying international suppliers and staff, to receiving funds from international clients, to managing currency risks to their bottom‑line from constantly changing currency exchange rates. We are passionate about what we do, believing that helping people and companies achieve their goals is more valuable than just moving money.

You will carry out risk assessments on new and existing customers, as well as monitoring the evolution of our exposure. You will complete financial analysis demonstrating both insight and understanding of financial statements and relevant non‑financial information. You will also assist with credit control activities.

Your main tasks will include:

  • Reviewing corporate financial statements and other information to assess and recommend suitable credit limits.
  • Performing credit control activities in line with credit policy.
  • Portfolio oversight to ensure all customers continue to meet qualifying terms.
  • Identifying and monitoring watchlist exposures and agreeing strategies for management with Credit Risk Manager and CRO.
  • Provision of credit reporting to the Credit Risk Manager and CRO.
  • Supporting work to enhance and digitise the credit assessment and credit control processes.
  • Other general MI and admin tasks as requested from time to time by the CRO.

The most important attribute you can bring to this job is ambition to have a big impact on a growing business, a willingness to work hard and the right ingenuity to make that happen. We look for people who strive to improve, are restless in their desire to exceed expectations, but who know that working as a team brings better results than working alone.

We are looking for a bright and ambitious individual who wants to start their career in a dynamic financial services environment. You have a degree in Finance, Business Administration or a related field. You are competent in MS packages, especially Microsoft Excel. You have excellent verbal and written communication skills and you feel comfortable presenting credit proposals to senior internal stakeholders. You are comfortable being responsible for your own workload while prioritising day‑to‑day tasks when needed.

What can we offer you?

  • Highly competitive salary
  • Hybrid working between our office in Dublin and Home
  • 25 days Annual leave, with a chance to purchase up to 5 additional days each year + annual leave on your birthday
  • 24/7 GP, counselling and Psychotherapy sessions for all members and their direct families and Employee Assistance Programme
  • 4× Annual salary Life Assurance
  • Pension contributions – ER contribution of up to 3%, Employee contribution up to 5%
  • Cycle to work scheme and season ticket travel loan scheme
  • Enhanced Maternity leave – 12 weeks @ full pay, 8 weeks @ half pay followed by 19 weeks SMP = 39 weeks.
  • Statutory Paternity Pay – Full pay for maximum of 2 weeks
  • Medicash Cash plan benefits such as Free eye tests, Dental check‑ups and access to therapy treatments

Lumon is proud to be an Equal Opportunity Employer. We are committed to equal employment opportunity regardless of race, colour, ancestry, religion, sex, sexual orientation, age, marital status, disability, or gender identity. If you consider yourself to have a disability or require any reasonable adjustment during the recruitment process or within the workplace, please highlight this at the earliest opportunity, we will provide appropriate support to you throughout the process.

Seniority level: Entry level

Employment type: Full‑time

Job function: Finance

Credit Risk Analyst employer: Lumon

At Lumon, we pride ourselves on being a dynamic and innovative employer in the financial services sector, offering a vibrant work culture that fosters collaboration and personal growth. Our hybrid working model between our Dublin office and home provides flexibility, while our comprehensive benefits package, including generous annual leave, health support, and enhanced parental leave, ensures our employees feel valued and supported. Join us to make a meaningful impact in a company that is passionate about helping businesses thrive globally.
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Contact Detail:

Lumon Recruiting Team

StudySmarter Expert Advice 🤫

We think this is how you could land Credit Risk Analyst

✨Tip Number 1

Network like a pro! Reach out to people in the finance industry, 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 would assess credit limits and manage risks. Show us your passion for the role!

✨Tip Number 3

Don’t just apply anywhere; focus on companies that align with your values. We at StudySmarter recommend applying through our website to streamline your application process and get noticed faster.

✨Tip Number 4

Follow up after interviews! A quick thank-you email can keep you top of mind. It shows your enthusiasm for the role and gives you another chance to highlight your skills.

We think you need these skills to ace Credit Risk Analyst

Financial Analysis
Credit Risk Assessment
Credit Control Activities
Portfolio Oversight
Communication Skills
Microsoft Excel
Data Presentation
Attention to Detail
Problem-Solving Skills
Team Collaboration
Time Management
Adaptability
Ambition

Some tips for your application 🫡

Tailor Your CV: Make sure your CV is tailored to the Credit Risk Analyst role. Highlight relevant experience, especially in financial analysis and credit control. We want to see how your skills align with what we do at Lumon!

Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to express your passion for finance and how you can contribute to our team. Don’t forget to mention your ambition and willingness to work hard – we love that!

Showcase Your Skills: Be sure to highlight your proficiency in MS packages, particularly Excel. If you have experience presenting proposals or working with financial statements, let us know! We’re looking for those standout skills.

Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way to ensure your application gets into the right hands. Plus, it shows you’re serious about joining our team at Lumon!

How to prepare for a job interview at Lumon

✨Know Your Numbers

As a Credit Risk Analyst, you'll be dealing with financial statements and credit limits. Brush up on your financial analysis skills and be ready to discuss how you would assess a company's creditworthiness. Familiarise yourself with key financial ratios and metrics that are relevant to the role.

✨Excel is Your Best Friend

Since the job requires competency in MS packages, especially Excel, make sure you're comfortable with functions, pivot tables, and data analysis tools. You might even want to prepare a quick example of how you've used Excel in past projects or studies to showcase your skills during the interview.

✨Communicate Clearly

Excellent verbal and written communication skills are crucial for this role. Practice explaining complex financial concepts in simple terms, as you may need to present credit proposals to senior stakeholders. Consider doing mock presentations to friends or family to build your confidence.

✨Show Your Ambition

Lumon is looking for someone who is ambitious and eager to make an impact. Be prepared to share examples of how you've gone above and beyond in previous roles or projects. Highlight your willingness to learn and adapt, as well as your desire to contribute to the team's success.

Credit Risk Analyst
Lumon
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  • Credit Risk Analyst

    Full-Time
    28800 - 48000 £ / year (est.)
  • L

    Lumon

    50-100
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