Recruitment Plus
Job title:
Credit Analyst S011383
Company
Recruitment Plus
Job description
JOB DESCRIPTION:Job Title: Credit AnalystSalary: €45K plus 5k bonus DOELocation: Sandyford, South DublinJob Ref: S011383Benefits:Bonus plus pensionDescription of Role:Our client is now seeking a Credit Risk Analyst to join their team. They will be responsible for analysing credit data and financial statements to evaluate the risks associated with the counterparty’s (client and prospects) creditworthiness.The Credit Risk Analyst will use a variety of analytical techniques to evaluate the risks associated with lending to consumers and corporate clients in order to evaluate business risks.Requirements:Must have a relevant University degree (Bachelor/master’s level) e.g. in Finance, Accounting, Business Administration Candidates with higher education on Credit risks topics, combined with adequate knowledge of the financial sector will also be consideredMinimum 1-2 years experience as Credit Analyst for commercial / corporate businessKnowledge about Credit risks including a very good understanding of current requirements in Credit originationStrong financial analysis and accounting capabilitiesExcellent communication skillsAbility to manage diverse work and overlapping prioritiesAn open mind-set and willingness to learn.Excellent analytical skills, critical thinking, and the ability to identify problems and propose solutionsProcess and detail orientationTeam playerDelivering resultsKey Duties & Responsibilities:Responsible for preparing reports consolidating information for use in decision-making and making credit decisions within the defined levels of authority, including when needed to Management Team locallyBe the direct contact with relationship managers (sales team), which is also a part of the 1st line of defence, to complete the first rating checks and explain the different credit decisions so that the relationship managers are better prepared for challenging conversations with clients, if neededManage the execution of the necessary risk assessment appropriate to each customer and credit application typeCarry out the evaluation of financial data, such as balance sheets and income statements to determine the level of default risk, including the calculation of financial ratios, interpreting results from decision-making and the preparation of a report to register the required audit trailFor credit origination, you will perform the credit analysis, which includes KYC/CDD (Know Your Customer) elements and the update of rating or scoring and issue a credit opinionResponsible for registering new customers in a risk system following the registration done by sales, if neededIf the credit application is within their derogation rights, as defined in the delegation letter, you will make the credit decision and proceed to credit authorization. If not, they will be responsible for preparing the credit file to be shared with the second line of defence for validationFor credit review, you are responsible for regular rating / scoring updateFor more information please send your CV to Carol in confidence through the link.If you are living in Ireland and hold a VALID WORK PERMIT, please feel free to contact us directly. However, if you do not hold a valid work permit unfortunately we will not be in a position to assist you with your job search.Recruitment Plus is not in a position to respond to each individual application due to the high volume of submissions. We will only contact those candidates whose CV matches the criteria for the vacancy. Thank you for your patience.For details on our privacy policy please click here: https://www.recruitmentplus.ie/privacy-policy/
Expected salary
€45000 per year
Location
Sandyford, Co Dublin – South Dublin
Job date
Thu, 29 Aug 2024 22:48:51 GMT
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