Credit Risk Analyst / Manager

ETRA Talent; England; On-site; GBP 40,000 - 60,000; Full time

Job summary

A financial services firm in the United Kingdom is seeking a proactive Analyst to join their growing Risk team. The successful candidate will focus on credit risk management and support liquidity risk monitoring and reporting. With a minimum of 3 years' experience, the Analyst will manage a portfolio of counterparties, conduct financial analysis, and contribute to risk reporting processes. This full-time role requires strong analytical skills and effective stakeholder communication.

Qualifications

• Minimum 3 years’ experience as a Credit or Financial Risk Analyst.
• Strong understanding of credit risk concepts across financial institutions, corporates, and funds.
• Excellent analytical and problem-solving skills.

Responsibilities

• Manage and monitor a portfolio of 150–200 counterparties.
• Perform detailed analysis of financial statements to assess creditworthiness.
• Produce monthly and quarterly liquidity management information.
• Share responsibility for financial risk reporting.

Skills

Credit risk management

Analytical skills

Stakeholder engagement

Time management

Problem-solving

Job description

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