The Risk Credit Analyst will conduct credit analyses, monitor exposures and limits, build credit MI, and support governance across entities.
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 review schedule
- Credit exposure & limits MI with narrative and exceptions
- Credit memos / review notes and conditions tracker
- Automated credit dashboards (where feasible) and definitions documentation
Success measures
- Better-quality, assessment-based credit decisions with clear evidence
- Fewer limit surprises; improved early-warning capability
- Reduced manual reporting and improved data consistency across entities
Benefits
Competitive Salary
Annual Bonus
Private Medical
Top Skills
Credit Analysis
Credit Risk Management
Data Analysis
Data Visualization
Reporting
Ballinger Group London, England Office
65 Curzon Street, London, United Kingdom, W1J 8PE
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