Credit Risk Analyst
CV-LibraryWest MidlandspermanentPosted: 23 March 2026
Apply NowA role focused on assessing, monitoring, and managing lending risk across a portfolio of credit exposures, ensuring that risk is identified, measured, and controlled effectively. The position plays a key part in evaluating creditworthiness, reviewing lending decisions, and providing insight into the overall health and performance of the portfolio.
Responsibilities include ongoing monitoring of portfolio trends, identifying emerging risks, and analysing data to detect patterns or areas of concern. The role supports the preparation of detailed risk reports for senior management and risk committees, providing clear, data-driven insights to inform strategic decision-making.
The position also involves contributing to the development, implementation, and enhancement of risk policies and frameworks, ensuring alignment with internal standards and external regulatory requirements. A strong focus is placed on maintaining compliance with applicable regulations, supporting audits, and ensuring that governance processes are adhered to consistently.
The role requires close collaboration with cross-functional teams, including credit, finance, compliance, and operations, to ensure a cohesive approach to risk management. It may also involve supporting stress testing, scenario analysis, and risk modelling activities to assess potential impacts under different economic conditions.
Candidates should possess strong analytical and problem-solving skills, with a high level of attention to detail and the ability to interpret complex financial data. Experience in credit risk, lending, or financial analysis is essential, along with excellent communication skills to convey findings effectively to both technical and non-technical stakeholders. A proactive mindset, sound judgement, and the ability to work in a fast-paced, regulated environment are key to success in this role
Responsibilities include ongoing monitoring of portfolio trends, identifying emerging risks, and analysing data to detect patterns or areas of concern. The role supports the preparation of detailed risk reports for senior management and risk committees, providing clear, data-driven insights to inform strategic decision-making.
The position also involves contributing to the development, implementation, and enhancement of risk policies and frameworks, ensuring alignment with internal standards and external regulatory requirements. A strong focus is placed on maintaining compliance with applicable regulations, supporting audits, and ensuring that governance processes are adhered to consistently.
The role requires close collaboration with cross-functional teams, including credit, finance, compliance, and operations, to ensure a cohesive approach to risk management. It may also involve supporting stress testing, scenario analysis, and risk modelling activities to assess potential impacts under different economic conditions.
Candidates should possess strong analytical and problem-solving skills, with a high level of attention to detail and the ability to interpret complex financial data. Experience in credit risk, lending, or financial analysis is essential, along with excellent communication skills to convey findings effectively to both technical and non-technical stakeholders. A proactive mindset, sound judgement, and the ability to work in a fast-paced, regulated environment are key to success in this role