Risk Credit Analyst

• Credit analysis & reviews: lead counterparty/client assessments; maintain credit memos and periodic reviews; track conditions and follow-ups.
• Exposure, concentration & limits monitoring: produce and interpret credit exposures, limit utilisation, concentrations, and exceptions; propose escalations with supporting analysis.
• Credit MI & dashboards: build and own credit reporting packs (trend commentary, watchlists, drivers of change); partner with Quant/Data Engineer to automate and standardise.
• Stress/scenario inputs: contribute credit-focused scenarios, sensitivity analysis, and “what changed?” investigations.
• Data discipline: ensure definitions are consistent (exposure measures, limit logic, entity mapping); document methodology changes.
• Governance support: prepare inputs for ALCO / credit governance forums and ensure clear action tracking and closure evidence.

• Credit watchlist + periodic review schedule
• Credit exposure & limits MI with narrative and exceptions
• Credit memos / review notes and conditions tracker
• Automated credit dashboards (where feasible) and definitions documentation

• Better-quality, assessment-based credit decisions with clear evidence
• Fewer limit surprises; improved early-warning capability
• Reduced manual reporting and improved data consistency across entities

Ballinger Group