The Credit Analyst reviews financial statements, credit reports, and Client’s own experience in order to assess the creditworthiness of a buyer and produce a Debtor Risk Assessment (DRA). He/she liaises with Underwriters in order to maintain coherence between the DRA and the risk exposure.

The Credit Analyst is responsible for the monitoring of a portfolio of companies with large aggregation of credit risks within specified industry sectors, he/she will:

  • Contact companies through phone interviews and/or field visits to obtain financial and business information to assess their current situation. Gather and search for additional information (financial statement data, professional articles, …) where required
  • Produce Debtor Reports demonstrating that information has been analysed, where contradictions can be evidenced, conclusions are drawn and that the recommendation to underwriters is clear and precise
  • Act on and respond to DRA revision requests
  • Monitor risk and update assessments upon receipt of alert from external sources
  • React to Claims activity by adjusting the DRA
  • Review files for accurate identifiers, links and coherence of DRA to quotation
  • Handle tasks out of the risk monitoring review workflow in a timely manner ensuring Service Level Agreements (SLA’s) are respected.
  • Monitor sensitive files, send warnings on specific events to Underwriting.
  • Pro-actively build and maintain good working relationships with underwriting and information colleagues.
  • Communicate to underwriters and management any adverse information which is relevant to a review of exposure.
  • Ensure compliance with regulations and procedures as laid down by the Client and external regulators


In order to be successful in this role, you must possess the following:

  • Bachelor Degree required with a concentration in Finance or equivalent.
  • 1-2 years’ work experience (and internships) in the financial field desirable (Banking, financial services or credit department); specific experience conducting credit or business research is a major plus
  • Knowledge of financial analysis and excellent financial rigor including the ability to interpret a balance sheet and make recommendations based on liquidity and indebtedness
  • Understanding of banking and funding e.g.: banking products and how financing works
  • Working knowledge of business law, accounting principles and legal group structure
  • Awareness and appreciation of prevailing macroeconomic and industry sector drivers and trends as a backdrop against which to evaluate a business’s credit worthiness
  • Excellent Computer literacy (MS Office / Excel/Internet Search)
  • Nature ability and comfort with asking lead-in and follow up questions
  • Ability to work collaboratively and share information


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