Credit Risk Analyst

Crownagentsbank; Greater London; Hybrid; GBP 60,000 - 90,000; Full time

Benefits offered by this job

Contributory pension plan

Life Assurance

Group Income Protection

Private Medical Insurance

Discretionary Bonus

Annual leave

Volunteer days

Benefits Hub

Job summary

Crown Agents Bank seeks a Credit & Country Risk Analyst to join an existing risk team. You will assess creditworthiness of borrowers and counterparties, monitor risk exposures, and support country risk analysis across emerging markets.

The role emphasizes data-driven automation to improve efficiency and controls within the risk function. You will contribute to end-to-end risk management, collaborate with stakeholders, and help translate processes into structured, auditable workflows while

Qualifications

• Bachelor’s degree or equivalent in a commercial/numerical subject.
• Experience in financial services, banking, rating agency, treasury or accounting environment, ideally in an emerging/frontier market context.
• Strong credit analytical ability and calibration of credit risk; financial modelling desirable.
• Excellent written and verbal communication; ability to work across functions, cultures and seniority levels.
• Data-literate and systems-aware mindset; experience with Excel, databases, dashboards or risk systems.
• Interest or experience in process improvement, automation or using technology to enhance risk management workflows.
• Ability to work under pressure and meet deadlines; prioritisation of urgent tasks.

Responsibilities

• Assist in preparation of credit applications and reviews for new and existing clients across FIs, NBFIs, Central Banks, IDOs, NGOs/charities and corporates.
• Monitor counterparty credit risk, including limit utilisation, exposure movements and early warning indicators.
• Support administration and monitoring of the credit portfolio, including limit maintenance and reporting.
• Analyze and assess emerging/frontier market country risks; maintain country risk assessments considering macro-economic and political factors.
• Contribute to data capture, risk assessment templates, portfolio monitoring and MI; support automation of risk processes.
• Support governance, projects and stakeholder reporting; assist with regulatory or audit requests and policy enhancements.

Skills

Credit risk analysis

Financial modelling

Data literacy

Excel

Risk systems

Communication skills

Teamwork across cultures

Education

Bachelor’s degree or equivalent in commercial/numerical subject

Tools

Excel

Dashboards

Databases

Risk systems

Job description

Working alongside an existing team of credit risk colleagues and reporting to the Head of Credit & Country Risk, the role supports the effective delivery of an end-to-end Credit and Country Risk Management function for Crown Agents Bank Group.

The role has a dual analytical focus: Credit and counterparty risk assessment across the Bank's lending, payments, FX and trade-related activities; and Country risk analysis, particularly across emerging and frontier markets that are core to CAB's business model.

In addition, the role is expected to actively contribute to the modernisation of credit and country risk processes, leveraging data, systems and automation to improve efficiency, consistency and control across the risk function.

You will be responsible for assessing and continuously monitoring the creditworthiness of the Bank's borrowers, counterparties and countries of operation, ensuring that all credit activities remain within approved risk appetite and tolerance levels.

Responsibilities

Credit & Counterparty Risk

• Assist in the preparation of credit applications and reviews, based on high-quality, well-structured risk assessments, to support informed credit decisions by approving authorities for new and existing clients. Coverage includes FIs, NBFIs, Central Banks, IDOs, NGOs/charities and corporates.
• Contribute to the ongoing monitoring of counterparty credit risk, including limit utilisation, exposure movements and early warning indicators, in line with internal policies and risk appetite.
• Support the effective administration and monitoring of the credit portfolio, including limit maintenance, controls and reporting to minimise credit losses.

Country Risk

• Play an active role in the analysis, assessment and periodic review of key emerging and frontier market countries relevant to CAB's operating footprint.
• Support the development and maintenance of country risk assessments, incorporating macro-economic, sovereign, FX, political, banking sector, structural and financial-crime-related risk considerations.
• Contribute to country risk monitoring, thematic analysis and escalation discussions, ensuring that country-level risks are appropriately reflected in credit decisions, limits and portfolio oversight.

Data, Systems & Automation

• Contribute to the streamlining and automation of credit and country risk processes, including data capture, risk assessment templates, portfolio monitoring and management information (MI).
• Work with internal stakeholders to help convert manual or fragmented processes into more structured, data-driven and repeatable workflows.
• Assist in the enhancement of credit and country risk tools, policies and procedures, with a focus on operational efficiency, auditability and consistency of risk outputs.

Governance, Projects & Stakeholder Support

• Participate in credit and country risk projects and initiatives, including periodic and ad-hoc reporting, regulatory or audit requests, and framework or policy enhancements.
• Support the Head of Credit Risk with broader departmental initiatives and priorities, as required.

Qualifications

At least a bachelor's degree or equivalent in a commercial/numerical subject and/or relevant professional qualification.

Experience/Skills

• Relevant and demonstrable experience gained either in a financial services, banking, rating agency, treasury or accounting environment, ideally in an emerging/frontier market context.
• Strong credit analytical ability, focused on the assessment and calibration of credit risk. Financial modelling skills would also be desirable.
• Knowledge of banking products from a credit risk perspective including payments, treasury/ FX products (including derivatives), and trade finance.
• Strong written and verbal communication skills, with a demonstrated ability to operate as a team player and work collaboratively across functions, cultures and seniority levels within a dynamic and evolving organisation.
• Data-literate and systems-aware mindset, with experience using Excel, databases, dashboards or risk systems to analyse, monitor or report risk.
• Demonstrated interest or experience in process improvement, automation or use of technology to enhance risk management workflows.
• Ability to work under pressure and plan to ensure that tasks are completed within agreed timeframes and urgent tasks/assignments are prioritized.
• French/Portuguese/Spanish language skills desirable.

Hybrid working

Benefits

• Contributory personal pension plan: - Minimum: Employee 2% and Employer 7%. Employer matches contributions in 1% increments to a maximum of: Employee 5% and Employer 10%
• Life Assurance - 4 times annual salary
• Group Income Protection
• Private Medical Insurance - this may include cover for partner and or children at company cost. Cover includes Optical, Dental and Audiology
• Discretionary Bonus
• Competitive Annual Leave
• 2 Volunteering Days
• Benefit Hub