Credit Analyst II

Credit Risk Analyst II

Location:

London office only - Hybrid Working Option Available

We’re looking for an experienced Credit Risk Analyst to join our ever-evolving Credit Risk team and help us unleash the potential of every business.

Working out of our London office, you will be primarily responsible for either the initial underwriting of new customers or the end-to-end credit risk management of existing merchants within an assigned portfolio.

• Large Credit Risk actively manage the credit risk exposure generated by our EMEA customers from their card and alternative payment processing activity.
• For underwriting, this will involve performing financial assessments of large corporates, proactively engaging with the commercial teams to find solutions that maximise onboarding opportunities, making recommendations in a clear and concise manner, seeking approval from the appropriate sanctioning authority and communicating conditions of sanction to both internal stakeholders and prospective customers.
• For portfolio management, this will involve analysing financial statements, compiling credit reviews, dealing with requests for new products/services that generate additional credit risk, seeking increased limits as a result of exception reports and/or alerts/triggers and managing financial deterioration/distress scenarios to minimise the risk of loss.
• Undertake credit risk reviews of potential or existing clients.
• Proactively engage with the commercial teams to find solutions that maximise onboarding opportunities.
• Respond to client specific alerts and/or trigger events as required, including requests for additional products/services and maintain limit and approval systems in relation to your assigned portfolio.
• Work closely with the Legal team, negotiating and reviewing bespoke contracts.
• Contribute to our continuous improvement process by identifying and implementing process change.
• Undertake ad-hoc tasks in support of the overall aim of managing credit risk exposure.

• A minimum of 3yr experience in a credit risk/financial analysis role.
• A strong ability to articulate your recommended way forward and explain it to non-Credit Risk colleagues and our clients.
• An ability to formulate solutions for new opportunities or challenging financial distress scenarios.
• Excellent verbal and written communication skills (good written English is essential).
• Strong computer skills, including familiarity with Microsoft Office products, specifically Microsoft Excel.
• An ability to prioritise competing tasks, work autonomously and to sometimes tight deadlines.

Ready to take your career global? Apply now to take your career global.