Credit Analyst / Risk Analyst

Role overview

The Credit Analyst / Risk Analyst role focuses on reviewing financial strength, measuring exposure to risk, and turning data into clear recommendations that support lending, investment, and broader business decisions. The position looks at financial performance, market conditions, and other warning signs to help determine risk levels and suitable controls.

Core responsibilities

• Examine financial statements, credit histories, cash flow information, and related documents to judge the creditworthiness of individuals, companies, or investment opportunities.
• Carry out both numerical and qualitative analysis to assess credit risk, sector performance, market movements, and overall commercial viability.
• Draft credit review reports, financial analyses, risk summaries, and recommendation papers to support approval decisions, portfolio oversight, and strategic planning.
• Track existing portfolios, spot changes in credit quality or exposure, and suggest actions that help reduce possible losses.
• Help build and refine risk frameworks, credit policies, internal controls, and portfolio monitoring processes.
• Support compliance activities, stress testing, scenario analysis, and risk reporting in line with company standards and regulatory obligations.
• Work with finance, compliance, operations, and business teams to strengthen financial-risk decision-making and risk management practices.
• Contribute to improving analytical models, reporting methods, and risk assessment workflows to raise efficiency and accuracy.

Skills and knowledge needed

The role calls for a solid grasp of credit assessment, corporate finance, lending principles, financial statement interpretation, and risk evaluation. Strong ability in spreadsheet tools, financial modelling, data analysis, and reporting is important. Familiarity with credit systems, risk software, and business intelligence tools is beneficial. The ideal candidate should also have strong analytical thinking, quantitative reasoning, problem-solving ability, and clear communication skills.

Additional qualifications

Applicants should understand credit risk management, portfolio analysis, cash flow analysis, financial ratio analysis, internal controls, regulatory compliance, and enterprise risk management. The job also requires strong organisation, close attention to detail, good judgment, the ability to handle several priorities at once, and a careful approach to confidentiality in a busy environment.