Credit Risk Analyst

Location
Malta
Salary
€30,000
Contact
Hilda Rudbo
Job Ref
585654
  • Be Degree qualified in Banking & Finance, Statistics, Economics
  • Have experience within the payment industry
  • bility to read, analyze, and interpret business financial statements
The Credit Risk Analyst will be a member of the Risk & Underwriting Team reporting directly to the Risk and Underwriting Manager and provide support to the company globally. They will work closely with team members and the Manager on a wide range of day-to-day issues including but not limited to;

Responsibilities:
• Review of new merchant applications with the objective of identifying the financial risks the company may be exposed to.
• Working closely with the underwriting officers to get an overall view of a merchant application.
• Ongoing reviews of merchant accounts to ensure processing is still in line with expectations ensuring …. are properly secured by sufficient collateral.
• Assess merchant’s financial position through proper financial statement analysis.
• Setting merchant collateral to mitigate financial risk.
• Regular liaison with various departments to understand and explain the risk exposed by new and existing merchants. • Preparation of regular reports for internal and external stakeholders.
• Maintain and adjust Credit Risk Assessment in line with the Credit Risk and Risk Appetite Policy of the company.
• Developing new monitoring structures to identify negative trends in both merchant’s and portfolio’s
performance.
• Preparation of visual monthly reports to facilitate the explanation of Risk findings.
• Take necessary measures to minimize the credit risk exposure of the company as guided by senior
management.
• Keep abreast with the latest updates in the various card scheme rules and regulations
• Maintaining ongoing relationships with the various stakeholders and keeping them up-to-date with any
updates within the Risk framework of the company.
• Liaise with other departments in view of making existing processes more efficient whilst constantly looking
out for new and improved ways to streamline processes and workloads.


Requirements
• Be Degree qualified in Banking & Finance, Statistics, Economics or related discipline.
• Have experience within the payment industry, acquiring experience is beneficial but not necessary, and within
Credit Risk.
• Have advanced Excel Knowledge.
• Ability to read, analyze, and interpret business financial statements
• Be excellent at communicating – Both verbal & in writing.
• Fluent in English.
• Be able to work under minimum supervision.
• Naturally have a flair for the intuitive and investigative nature of the role.
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Hilda Rudbo
Senior Consultant
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