About the Opportunity:
Centrohire is recruiting a Credit Risk Analyst to support credit risk assessment, financial analysis, portfolio monitoring, and lending decision processes. The role involves evaluating client creditworthiness, reviewing financial statements, analyzing risk exposure, and supporting risk-based lending and investment decisions in line with internal policies and UK regulatory requirements. The successful candidate will assist in monitoring credit portfolios, identifying potential risks, preparing risk reports, and working closely with internal stakeholders to support informed financial and commercial decision-making.
Key Responsibilities:
- Conduct credit risk assessments and financial analysis for new and existing clients.
- Review financial statements, cash flows, credit reports, and transactional data to assess risk exposure.
- Support underwriting, due diligence, and credit approval processes.
- Monitor portfolio performance and identify emerging risks, recommending mitigation actions.
- Prepare credit papers, risk assessments, and reports for management review.
- Develop and maintain financial models, credit scorecards, and portfolio monitoring tools.
- Liaise with Risk, Finance, Compliance, and Operations teams to support decision-making.
- Ensure accurate documentation and adherence to internal credit policies and governance standards.
Essential Skills & Experience
- Bachelor’s degree in Finance, Economics, Accounting, Business, or related field.
- 2 to 4 years’ experience in credit risk, financial analysis, banking, or lending environments.
- Strong understanding of credit risk principles and financial statement analysis.
- Ability to assess financial health, cash flow trends, and borrower risk profiles.
- Strong analytical, reporting, and Excel modelling skills.
Desirable Qualifications
- Experience in financial services, banking, or regulated lending environments.
- Knowledge of UK credit risk regulations, governance frameworks, and responsible lending practices.
- Experience building financial models, scorecards, or portfolio risk reports.
- Professional finance or credit risk qualifications (e.g., CFA, FRM, or equivalent) is advantageous.
Work Location: In person
