Credit Risk Analyst (12 month FTC) UK Mid-Corporates

The Curve Group; England; Hybrid; GBP 45,000 - 65,000; Full time

Benefits offered by this job

Up to 10% employer pension contribution

Life Assurance Cover

Income protection

Private Medical Insurance plan

Contribution to eye care

Gym subsidy

Cycle to work scheme

Employee Assistance Program

Interest Free season ticket loan

25 days annual leave

Job summary

A leading financial services firm seeks a Credit Risk Analyst for a 12-month fixed-term contract. This hybrid role involves processing credit applications and supporting the Head of Credit Risk in strategic initiatives. The ideal candidate will have extensive credit risk experience, particularly with UK Mid-Corporates. The position offers excellent benefits, including a pension contribution and private medical insurance. If you're looking to contribute to a dynamic team within a recognized banking institution, this role could be for you.

Qualifications

• Several years of Credit Risk experience in a banking environment.
• Strong understanding of credit request processing and regulatory requirements.
• Exposure to a broad range of products and markets preferred.

Responsibilities

• Support the Head of Credit Risk in planning and delivering business strategy.
• Process credit applications and make informed recommendations.
• Attend Risk Committee meetings and contribute to operational risk reporting.

Skills

Credit Risk experience

Experience of UK Mid‑Corporates

Understanding of credit processing

Knowledge of UK Regulatory requirements

Exposure to frontier and emerging markets

Job description

Credit Risk Analyst (12 month FTC) UK Mid-Corporates

12 Month Fixed Term Contract

Our Client is a globally recognised, successful bank providing world‑class retail and corporate financial services to over 10 million customers worldwide.

Please note that this is a hybrid role with 3 days in the office and 2 days working from home.

Key Responsibilities

In this role, you will be part of the team supporting the Head of Credit Risk to plan ahead and deliver our business strategy in line with the long‑term goals. You’ll also be involved in overseeing an implementing bank-wide and business activities, engagement agendas and executive reporting.

Credit Applications

• Process credit applications (including the use of financial spreads to risk rate client applications using the Moody’s Analytics model) and make recommendations, highlighting all risk issues pertinent to the credit decision.
• Critically and objectively assess and challenge credit applications and make well‑considered recommendations to approving authorities.
• Justify credit decisions/recommendations (both verbally and in writing) and provide value‑adding and constructive feedback on credit applications to Business and Credit colleagues.
• Participate in customer due diligence site visits, calls, and meetings. Prepare call reports for each visit/call/meeting within one week of the event.
• Ensure quick turnaround of credit requests while maintaining quality, accuracy and adherence to risk appetite, policies, and procedures.

Credit Governance and Operational Risk

• Prepare for and attend Risk Committee meetings as appropriate.
• Contribute to the RCSA process by reviewing credit processes and identifying areas that may have control failures and determine mitigants.
• Report operational risk incidences in line with internal guidance and reporting requirements.
• Contribute to the Credit Risk team’s Compliance and Audit readiness.

Key Skills/Experience

• Several years Credit Risk experience gained within a banking environment.
• Experience of UK Mid‑Corporates.
• Strong understanding of end‑to‑end processing of various forms of credit requests; knowledge of a broad range of products and client segments would be an added advantage.
• Excellent understanding of UK Regulatory requirements for the provision of credit facilities and related credit controls.
• Exposure to frontier and emerging markets, preferably Africa, would be an added advantage.

Benefits

• Up to 10% employer pension contribution
• Life Assurance Cover
• Income protection
• Private Medical Insurance plan (upon successful completion of probation period)
• Contribution to glasses/contacts and eye testing
• Gym subsidy (up to £50 per month)
• Cycle to work scheme
• Employee Assistance Program
• Interest Free season ticket loan for travel
• 25 days annual leave, rising to 28 after 3 years and 30 after 8 years’ service
• Give As You Earn (GAYE)

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