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Credit Risk Analyst

Ballinger & Co.London, England, United Kingdom
On-site Full-time

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Experience Level

Experience

Qualifications

Candidates should possess a strong analytical background with experience in credit risk analysis. Proficiency in data analysis tools and experience in working with cross-functional teams is essential. A bachelor's degree in finance, economics, or a related field is preferred.

About the job

Enhance the Group’s credit and counterparty risk frameworks through thorough credit analysis, vigilant portfolio oversight, and data-driven management information (MI), facilitating sound limit governance and proactive insights across various entities.

Key Responsibilities

  • Credit Analysis & Reviews: Spearhead assessments of counterparties and clients; maintain detailed credit memorandums and conduct regular reviews; monitor evolving conditions and ensure timely follow-ups.
  • Exposure, Concentration & Limits Monitoring: Generate and analyze insights on credit exposures, limit usage, concentration levels, and exceptions; recommend escalations supported by thorough analysis.
  • Credit MI & Dashboards: Develop and oversee comprehensive credit reporting packages (including trend commentary, watchlists, and change drivers); collaborate with Quant/Data Engineers for automation and standardization.
  • Stress/Scenario Inputs: Provide input for credit-focused scenarios, conduct sensitivity analyses, and investigate significant changes.
  • Data Discipline: Ensure consistent definitions of exposure measures, limit logic, and entity mapping; document any methodological changes.
  • Governance Support: Prepare materials for ALCO and credit governance meetings, ensuring clear tracking of actions and closure evidence.

Key Deliverables

  • Credit watchlist and periodic review timetable
  • Credit exposure and limits management information with narrative and exceptions
  • Credit memorandums and review notes along with a conditions tracker
  • Automated credit dashboards (where feasible) and definitions documentation

Success Metrics

  • Improved quality of assessment-driven credit decisions with robust evidence
  • Minimized limit surprises; enhanced early-warning capabilities
  • Reduced manual reporting; improved data consistency across entities

Benefits

Competitive salary, Annual bonus, Private medical coverage

About Ballinger & Co.

Ballinger & Co. is a leading organization dedicated to excellence in financial services, focusing on comprehensive risk management and innovative solutions in the credit landscape.

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