Credit Risk Analyst Jobs

Job Description

KEY RESPONSIBILITIES

Credit Assessment & Decision Making

• Perform independent assessment of complex corporate, financial institution and commodity trading counterparties.
• Perform in-depth financial analysis, including liquidity, leverage, cash flow, profitability and covenant assessments.
• Develop robust credit opinions and provide well-supported recommendations regarding ratings, probability of default, credit limits and risk appetite.
• Present and defend credit recommendations to senior management, risk committees and other decision-making bodies.
• Independently manage large and strategically important counterparties with material exposure to MET Group.

Portfolio Risk Management

• Maintain ongoing oversight of a dedicated credit portfolio and proactively identify emerging risks and deterioration trends.
• Monitor exposure utilisation, concentration risks, industry developments and macroeconomic factors affecting portfolio quality.
• Perform portfolio reviews, sector analyses and stress testing exercises to assess the impact of adverse market scenarios.
• Recommend and implement portfolio optimisation and risk mitigation strategies.

Structuring & Risk Mitigation

• Advise on structure and credit risk mitigation solutions including:
  • Parent company guarantees
  • Bank guarantees and letters of credit
  • Credit insurance
  • Cash collateral arrangements
  • Prepayment structures
  • Security agreements and other collateral solutions

Advanced Risk Analytics

• Perform exposure simulations and expected loss calculations using quantitative credit risk methodologies.
• Assess wrong-way risk, concentration risk and stress scenario impacts.
• Contribute to the enhancement of internal credit models, rating methodologies and credit risk frameworks.
• Support the development of portfolio analytics and risk reporting tools.

Stakeholder Management

• Act as a trusted advisor to Front, Middle and Back Offices, Treasury and other support functions.
• Challenge commercial proposals where appropriate while providing pragmatic risk solutions.
• Influence business decisions through risk-based recommendations and clear communication.
• Build strong working relationships with external stakeholders including banks, insurers, counterparties and industry peers.

Governance & Leadership

• Lead discussions in credit working groups, approval committees and risk forums.
• Contribute to the continuous improvement of credit policies, governance standards and risk management practices.
• Support internal projects related to systems, processes, automation and reporting enhancements.
• Mentor junior team members and contribute to knowledge-sharing initiatives within the credit organisation.

Distressed & Watchlist Management

• Identify early warning signals and oversee watchlist counterparties.
• Develop remediation strategies for deteriorating credits.
• Support restructuring discussions, recovery efforts and workout situations in collaboration with Legal and Commercial teams.
• Participate in negotiations aimed at maximising recoveries and minimising losses.

Qualifications

• University degree in Finance, Economics, Accounting, Business Administration or a related discipline.
• CFA, FRM or other relevant professional qualification would be considered an advantage.
• 5–8 years of experience in corporate credit risk, counterparty risk, structured finance, commodity trading risk or banking risk disciplines.
• Demonstrated experience assessing large corporates, trading houses, utilities, energy companies or financial institutions.
• Proven track record of owning complex credit approvals and managing significant credit exposures.
• Exposure to energy markets, commodity trading or wholesale credit risk is a significant advantage.
• Strong understanding of financial statement analysis, credit rating methodologies and risk modelling
• techniques.
• Experience with probability of default modelling, stress testing and expected loss methodologies.
• Understanding of credit mitigants, collateral structures and legal documentation.
• Experience with risk systems, data analytics or BI tools would be advantageous.

Additional Information