Senior Credit Risk Analyst

Job Description

Company Introduction

Job Responsibilities and Duties

• Assess credit risk relating to new and existing corporate lending facilities, ensuring alignment with established risk parameters;
• Review credit applications and prepare recommendations for consideration by the Credit Committee;
• Evaluate lending requests against the Company's defined risk appetite and credit requirements;
• Analyse financial information to determine the creditworthiness and risk profile of corporate borrowers;
• Coordinate with appointed architects and follow up on property valuations and related information;
• Maintain regular communication with the Corporate Team, providing timely feedback on credit-related matters;
• Support Senior Management and external stakeholders with credit risk information and ad-hoc requests;
• Contribute to the review and ongoing development of risk management policies;
• Assist with updates to credit procedures and supporting documentation;
• Monitor the Company's large exposure risks and remain informed of relevant developments;
• Maintain awareness of internal standards, requirements, and wider business objectives;
• Support the continued development and expansion of the credit risk function, including the coordination of resources where required.

Experience

• Minimum 3 years of experience within credit risk, preferably within corporate lending;
• Diploma or Degree level qualification, preferably in Finance, Risk, or a related field;
• Strong ability to assess, analyse, and interpret financial information;
• Good knowledge of Maltese lending standards, including collateral requirements;
• Proficiency in Microsoft Word and Excel;
• Excellent written and verbal communication skills in English.

Personal Skills

• Strong analytical and decision-making skills;
• Proactive approach with the ability to work independently and take initiative;
• High level of integrity and professional ethics;
• Strong communication and interpersonal skills;
• Highly motivated with a positive and solution-oriented approach;
• Good organisational and problem-solving skills;
• Ability to work effectively as part of a team.