Credit Risk Analyst

Job description

**Role & responsibilities** - Analyze financial statements, credit reports, and related documentation to assess the credit risk of prospective and existing clients. - Monitor client account activity, portfolio trends, and risk indicators to identify potential credit concerns and emerging patterns. - Prepare credit risk exposure reports, summarize findings, and support management review of risk trends and decision outcomes. - Partner with underwriting teams to provide analysis, recommendations, and supporting information for credit decisions. - Collaborate with compliance and legal teams to support adherence to regulatory requirements, internal controls, and policy standards. - Assist with the development, testing, or validation of risk models, scorecards, or decision-support tools used in credit evaluation processes. - Gather and interpret data from multiple systems and sources to support investigations, risk reviews, and credit-related analysis. **Preferred candidate profile** - Bachelors degree in Business, Finance, Economics, Statistics, or a related quantitative field. - 3+ years of experience in credit risk, corporate or middle-market lending, merchant acquiring risk, enterprise client risk management, or asset-based lending. - Strong analytical and financial assessment skills, including the ability to review and interpret business financial statements. - Organized, proactive, and detail-oriented, with the ability to work effectively in a fast-paced environment. - Excellent communication and interpersonal skills, with the ability to explain findings and present recommendations to senior leaders, banking partners, external stakeholders, legal teams, and merchants. - Strong business judgment with the ability to think strategically, solve problems, and identify practical solutions. - Effective negotiation and influencing skills. - Comfortable working independently or as part of a team, with a willingness to take ownership and share knowledge. - Proficient in Microsoft Excel, PowerPoint, and Word, and adaptable to learning new systems and tools.