Credit Risk Analyst

We are seeking a dynamic Credit Risk Analyst - Commercial to join our Risk Management team. In this role, you will act as a vital Second Line of Defence (SLOD), safeguarding the bank against credit losses while enabling sustainable business growth. Working within our Commercial and Wholesale Credit Risk team, you will help shape how we originate, monitor, and manage loans and leases. You will leverage data-driven insights to monitor portfolio health, partner with operational teams, and design robust underwriting frameworks. If you are an analytical thinker who thrives in a fast-paced environment and enjoys collaborating with diverse stakeholders, this is your opportunity to drive real-world impact in a global organisation.

• Portfolio Monitoring & MI: Develop and maintain Management Information (MI) frameworks to dynamically track and report on credit risk metrics (KRIs, KPIs, and risk appetite).
• Risk & Variance Analysis: Perform variance analyses to identify and explain portfolio shifts driven by borrower behavior, macroeconomic trends, and market developments.
• 1LOD Partnership: Partner with First Line of Defence (1LOD) operational teams to enhance credit processes, underwriting expertise, and product originations.
• Emerging Risk Mitigation: Identify emerging credit risks through internal data and external market scanning, recommending actionable mitigation strategies.
• Originations Infrastructure: Support underwriting guidelines development and integrate qualitative and quantitative scorecards.
• Testing & Validation: Formulate and execute test plans to ensure the seamless deployment of scorecard enhancements and system upgrades.
• Committee Support & Oversight: Provide Second Line of Defence (2LOD) oversight for Credit Committee proposals and support policy committee materials.
• Policy & Assurance: Maintain credit risk policies and facilitate portfolio assurance activities to ensure compliance with risk appetites.
  
  Proven experience in Commercial and Wholesale underwriting.
• Experience preparing and supporting materials for Credit and Policy Committees.
• Strong track record of assessing external market risks and their impact on credit portfolios.
• An analytical, data-driven mindset with the ability to resolve complex business challenges.
• Excellent communication and negotiation skills, with the confidence to interface with senior leaders and global stakeholders.
• Ability to thrive in a fast-paced, collaborative corporate environment.
Desirable:
• Experience using emerging AI/IT tools to streamline data workflows and enhance MI reporting efficiency.
• Experience designing and executing test plans for risk-related change programs.
• Experience implementing digital risk products, services, or credit scorecards.
• Experience designing credit policies, procedures, and underwriting guidelines.