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Credit Risk Analyst

Ballinger & Co.Birkirkara, Birkirkara, Malta
On-site Full-time

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Experience Level

Experience

Qualifications

Candidates should have a strong background in finance or related fields, with a keen analytical mindset and proficiency in data management. Familiarity with credit risk analysis tools and methodologies is essential.

About the job

Enhance the Group's credit and counterparty risk management by conducting thorough credit analysis, continuous portfolio monitoring, and providing data-driven management information. This role is pivotal in ensuring strong limit governance and delivering forward-thinking insights across various entities.

Key Responsibilities

  • Credit Analysis & Reviews: Spearhead assessments of counterparties and clients; maintain up-to-date credit memos and conduct periodic reviews; monitor conditions and implement necessary follow-ups.
  • Exposure, Concentration & Limits Monitoring: Generate and analyze reports on credit exposures, limit utilization, concentrations, and exceptions; recommend escalations supported by detailed analysis.
  • Credit Management Information & Dashboards: Develop and oversee credit reporting packs that include trend analysis, watchlists, and key drivers of change; collaborate with Quant/Data Engineers to automate and standardize processes.
  • Stress/Scenario Inputs: Provide valuable contributions to credit-focused scenarios, sensitivity analyses, and investigations into changes.
  • Data Governance: Ensure consistent definitions across exposure measures, limit logic, and entity mapping; document any changes in methodology.
  • Governance Support: Prepare materials for ALCO and credit governance forums, ensuring clear tracking of actions and evidence of closure.

Key Deliverables (Examples)

  • Credit watchlist and periodic review schedule
  • Credit exposure and limits management information with narrative explanations and exceptions
  • Credit memos and conditions tracking notes
  • Automated credit dashboards (where feasible) and documentation of definitions

Success Metrics

  • Enhanced quality of assessment-based credit decisions with clear supporting evidence
  • Reduction in unexpected limit issues; improved early-warning systems
  • Minimized manual reporting and enhanced data consistency across entities

Benefits

Attractive salary package

Annual performance-based bonus

Comprehensive private medical insurance

About Ballinger & Co.

Ballinger & Co. is a leading firm specializing in financial services, committed to excellence in risk management and client service. Our team is dedicated to fostering a culture of innovation and professionalism, ensuring that we remain at the forefront of industry practices.

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