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Credit Risk Analyst
The Credit Risk Analyst assesses credit applications, analyzes financial data, and updates risk ratings or scores. The role also validates information used in automated decisions and authorizes credit within delegated limits or prepares files for review. The position is based in Majadahonda, Madrid, and offers a permanent contract.
Information about Michael Page España
- Official domain
- michaelpage.es
- Open jobs
- 2320
Job details
The full description published by Michael Page España.
- Compañía lider en soluciones de movilidad sostenible y renting de vehículos.
- Compañía lider en soluciones de movilidad sostenible y renting de vehículos. ¿Dónde vas a trabajar? La organización opera en el sector de servicios financieros y está ubicada en Majadahonda (Madrid). Descripción
- La principal responsabilidad del/la Credit Risk Analyst es la evaluación de riesgos necesaria y adecuada a cada cliente y tipo de solicitud de crédito. Esto incluye la evaluación de datos financieros, como balances y cuentas de resultados para determinar el nivel de riesgo de impago, incluido el cálculo de ratios financieros, la interpretación de los resultados de la toma de decisiones automatizada y la preparación diferentes informes.
- Para el proceso de análisis crediticio (Credit Origination), el/la analista realizará el análisis crediticio, que puede incluir elementos de KYC (Know Your Customer) y la actualización del rating o scoring, y emitirá una opinión crediticia. También se encarga de registrar a los/as nuevos/as clientes en el sistema de riesgo tras el registro realizado por ventas, en el caso de ser necesario.
- En decisiones automáticas o semiautomáticas, el/la analista de riesgo de crédito es responsable de validar la información utilizada al respecto.
- Si la solicitud de crédito entra dentro de sus delegaciones, definidos en la correspondiente carta de delegación local, el/la analista de tomará la decisión de crédito y procederá a su autorización. En caso contrario, se encargará de preparar el expediente de crédito que se compartirá con el equipo local de Credit Risk Underwriting para su validación.Para la revisión del crédito, el/la analista es responsable de la actualización periódica del rating/ score. ¿A quién buscamos (H/M/D)? El/la candidato/a seleccionado deberá cumplir los siguientes requisitos:
- Título universitario de grado medio o superior. Grado en Ciencias Económicas ADE, matemáticas, estadísticas o similar.
- Inglés nivel alto hablado y escrito.
- Paque Office nivel alto
- Más de 2 años de experiencia en puestos similares
- Experiencia en riesgo de crédito ¿Cuáles son tus beneficios?
- Contrato indefinido.
- Salario entre 34.000 € y 44.000 € brutos anuales.
- 2 días de teletrabajo a la semana
- Flexibilidad horaria
- Jornada intensiva los viernes, julio y agosto. Si te interesa el puesto de Credit Risk Analyst, ¡inscríbete!
Requirements
- University degree in economics, business administration, mathematics, statistics, or a similar field
- Advanced spoken and written English
- Advanced Microsoft Office skills
- More than 2 years of experience in similar roles
- Credit risk experience
Benefits mentioned
- €34,000–€44,000 gross per year
- Two remote work days per week
- Flexible hours
- Shorter working hours on Fridays, July, and August
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