Credit Risk Analyst | Hybrid — Influence growth through risk insight

LGBT Jobs; Manchester; Hybrid; GBP 35,000 - 55,000; Full time

Benefits offered by this job

Pension contributions

Learning opportunities

Hybrid working

Job summary

Premier Foods in Manchester is recruiting a Credit Risk Analyst to assess, monitor and manage customer credit risk within our Accounts Receivable portfolio. The role supports risk-informed decision-making to protect cash flow and enable sustainable growth.

You’ll work across Credit & Collections, Commercial and Finance teams, providing insight and recommendations that influence credit decisions and balance opportunity with prudent risk management. Hybrid working available.

Qualifications

• Experience within Credit Risk, Credit Underwriting, Credit Management or Commercial Credit environments.
• Strong financial analysis skills, including reviewing balance sheets, profit and loss accounts and cash flow information.
• Experience assessing customer creditworthiness and managing credit exposure.
• Strong understanding of credit risk principles and working capital management.
• Excellent analytical and problem-solving capabilities.
• Confidence communicating recommendations and influencing stakeholders.
• Strong attention to detail and sound commercial judgement.
• The ability to manage multiple priorities and make effective decisions in a fast-paced environment.

Responsibilities

• Conduct end-to-end credit assessments for new and existing customers, including due diligence, credit checks and risk evaluation.
• Analysing financial statements, management accounts, payment performance, credit agency reports and external market intelligence.
• Assessing customer creditworthiness and making recommendations on credit limits, payment terms and risk classifications.
• Managing and monitoring a portfolio of customer accounts, identifying changes in risk exposure, payment behaviour or financial performance.
• Conducting regular credit reviews and recommending appropriate actions based on changing risk profiles and business exposure.
• Identifying emerging risks and early warning indicators, ensuring issues are escalated appropriately and in a timely manner.
• Partnering with Credit & Collections teams to support effective credit decisions, collection strategies and working capital performance.
• Working closely with Commercial teams to balance growth opportunities with prudent risk management.
• Providing analysis and recommendations on high-risk, complex or deteriorating customer accounts.
• Maintaining accurate customer credit data, documentation and audit trails in line with governance requirements.
• Supporting credit risk reporting, portfolio reviews and the provision of risk insights to stakeholders.
• Ensuring compliance with Credit Policy, delegated authorities and risk management frameworks.
• Identifying opportunities to strengthen processes, controls and governance standards through continuous improvement.

Skills

Credit risk experience

Financial analysis

Creditworthiness assessment

Credit risk principles

Analytical skills

Stakeholder communication

Attention to detail

Multitasking

Tools

Dun & Bradstreet

Experian

Creditsafe

SAP

Job description

Premier Foods in Manchester is recruiting a Credit Risk Analyst to assess, monitor and manage customer credit risk within our Accounts Receivable portfolio. The role supports risk-informed decision-making to protect cash flow and enable sustainable growth.

You’ll work across Credit & Collections, Commercial and Finance teams, providing insight and recommendations that influence credit decisions and balance opportunity with prudent risk management. Hybrid working available.