Job Title: Credit Analyst
Job Type: Contract
Job Location: Kildare/Hybrid
Company Overview:
Our client is an American multinational information technology company headquartered in Palo Alto, California, that develops personal computers (PCs), printers, and related supplies, as well as 3D printing services.
The Role:
The Credit Risk Function oversees credit risk management, encompassing credit underwriting, risk identification, assessment, measurement, and reporting. Reporting to the Head of Credit, the Senior Credit Analyst role is part of the second-line Credit Risk Team, supporting underwritten business. Responsibilities include reviewing and approving underwriting and credit structuring proposals, evaluating factors affecting repayment ability, assessing risks, and proposing optimal financing solutions. The role also involves monitoring an existing client portfolio, preparing periodic reviews, and collaborating with operations, compliance, legal teams, and colleagues in credit and risk management to ensure comprehensive oversight.
Responsibilities:
- Daily review of credit proposals to ensure adherence to credit risk appetite and credit risk management framework requirements.
- Use high quality and robust business data to support credit risk reporting and monitoring of the nature and performance of portfolio.
- Review and develop effective Credit Risk Management policies and procedures.
- Work with Risk and Compliance function to ensure effective stress testing and quality assurance processes are in place, compliant with all legal and regulatory requirements.
- Understand technology and its application to the business, working to implement improvements and support underwriting change management projects.
- Work with management teams to identify and implement operational enhancements when required.
- Provide training, coaching and mentoring to the underwriting / credit teams.
- Support audits, external reviews or regulatory inspections and queries as they arise.
- Maintain and develop own skills, knowledge and behaviors whilst maintaining awareness of industry and regulatory standards and changes.
Required Skills and Experience:
- Five years proven experience in a senior credit risk management / underwriting role.
- Degree level educated.
- Dynamic, technically strong with ability to operate at operational and strategic levels.
- Integrity, openness and commitment to good governance.
- Knowledge of Asset Finance products and processes desirable.
- Ability to make credit decisions based on data, experience and the macro environment and to balance risk management with commercial realities.
- Knowledge of regulatory and legal matters relating to financial services.
- Conversant with credit regulations, ability to review, interpret and apply regulatory guidelines and familiar with performing gap analyses on new regulations and building action plans to deploy changes within required implementation timelines.
If you are interested in this role or would like to discuss it further, please call Nidhi at +353 1 645 5244 or email [email protected].
Candidates must have a valid visa to work in Ireland (Stamp 1G/Stamp 4/EU Passport).
