Senior Credit Analyst – Sensitive Risk Manager

• Proactively manage a portfolio of buyers by gathering appropriate information and assessing buyers according to defined targets through manual grading




• Manage a profitable portfolio of business within agreed parameters using sound credit analysis techniques




• Perform financial and credit analysis to determine appropriate company credit ratings




• Conduct buyer visits or telephone interviews to obtain critical portfolio-monitoring information




• Monitor high-risk buyers and solicit proprietary information for the EHNA database




• Establish and maintain contact with Finance Directors and treasurers through visits, telephone, and written correspondence




• Use available information to consistently grade buyers within authority and make detailed recommendations outside authority




• Communicate with Sales Agents, Commercial Underwriters, and/or customers regarding underwriting requirements, industry outlooks, and target markets




• Create industry sector outlooks using public and proprietary information to determine market trends




• Devise and execute rigorous risk-monitoring plans, including review dates, follow-ups, and updates




• Produce accurate periodic reports for internal and external stakeholders and execute necessary follow-up actions




• Monitor, alert, and propose improvements for early identification of deteriorating risk or buyers at risk of default




• Recommend risk underwriting strategies for specific buyers to minimize default while optimizing customer satisfaction




• Identify and apply risk reduction and mitigation strategies on a case-by-case basis




• Communicate efficiently with buyers and policyholders to support the identified risk strategy

Requirements

• Bachelor's degree in business administration, Economics or Finance




• MBA preferred




• 4-7 years’ experience in financial management experience in banking, credit insurance brokerage or a credit insurance environment




• Excellent computer skills, with an understanding of financial software and spreadsheet packages




• Excellent understanding of Financial Statements




• Excellent analytical skills




• Interpersonal skills in high-level business meetings, both internally and externally




• Exceptional written communication skills




• Computer literate and familiar with Microsoft Word and Excel




• Effective at time management




• Bilingual preferred




• Credit knowledge and experience with high volume risk analysis and underwriting




• Market knowledge of the local economic environment




• Expertise on a particular region and/or trade sector




• Strong skills in financial analysis; very good knowledge of Finance and Credit Management




• Expertise and experience in buyer assessment

Core Competencies

Demonstrates expertise in financial and credit analysis, effectively managing a portfolio of buyers while employing sound credit management strategies. Proficient in communication and interpersonal skills to engage with stakeholders and assess risk in a dynamic economic environment.

Highest-signal resume keywords

• Financial Analysis




• Credit Management




• Risk Assessment




• Portfolio Management




• Bilingual Communication

Hard Skills

• Financial Analysis




• Credit Analysis




• Risk Mitigation Strategies




• Financial Statement Analysis




• Buyer Assessment




• Market Trend Analysis




• Credit Knowledge




• Underwriting Strategies




• Portfolio Monitoring




• Time Management

Soft Skills

• Interpersonal Skills




• Written Communication




• Analytical Skills

Certifications & Qualifications

• Bachelor's Degree in Business Administration




• MBA Preferred

Industry Keywords

• Credit Insurance




• Banking




• Economic Environment




• High Volume Risk Analysis




• Commercial Underwriting

Tools & Technologies

• Financial Software




• Spreadsheet Packages




• Microsoft Word




• Microsoft Excel