Risk Credit Analyst

Job description

Role purpose Strengthen the Group’s credit/counterparty risk capability through consistent credit analysis , portfolio monitoring , and data-led MI , supporting robust limit governance and forward-looking insight across entities. Key responsibilities: - Credit analysis & reviews: lead counterparty/client assessments; maintain credit memos and periodic reviews; track conditions and follow-ups. - Exposure, concentration & limits monitoring: produce and interpret credit exposures, limit utilisation, concentrations, and exceptions; propose escalations with supporting analysis. - Credit MI & dashboards: build and own credit reporting packs (trend commentary, watchlists, drivers of change); partner with Quant/Data Engineer to automate and standardise. - Stress/scenario inputs: contribute credit-focused scenarios, sensitivity analysis, and “what changed?” investigations. - Data discipline: ensure definitions are consistent (exposure measures, limit logic, entity mapping); document methodology changes. - Governance support: prepare inputs for ALCO / credit governance forums and ensure clear action tracking and closure evidence. Key deliverables (examples): - Credit watchlist + periodic rev...