Senior Credit Analyst & Sensitive Risk Manager

The Credit Analyst and sensitive Risk Manager proactively manages a portfolio of buyers by gathering the appropriate level of information and assessing buyers according to defined targets (manual grading).

Key Responsibilities and Job Duties

• Manage a profitable portfolio of business within the parameters agreed upon with the Regional Director of Information and grading, utilizing sound credit analysis techniques. Perform financial and credit analysis to determine the appropriate credit rating of the company being analyzed.
• Conduct buyer visits or telephone interviews to obtain critical information for the monitoring of the buyer's portfolio.
• Monitor high-risk buyers and solicit proprietary information for the EHNA database by establishing a rapport and maintaining contact with Finance Directors and treasurers, through visits and telephone and written correspondence.
• Utilize all information available to arrive at consistent grading of buyers within authority and make detailed recommendations to the Manager and/or Regional Director when outside authority.
• Communicate with Sales Agents and Commercial Underwriters and/or customers to underwriting requirements regarding industry outlooks and target markets.
• Responsible for the creation of industry sector outlooks (from both public and proprietary information) to determine underlying market trends.
• Reporting to the head of SRU, the SRM expert is senior in their role and responsible for the following:
• Devise and execute in a rigorous manner the risk monitoring plan (review dates, actions follow-up, updates…), taking care of periodic spot-on and accurate reports to internal and external stakeholders and undertaking necessary follow-up actions and their execution.
• Monitoring, alerting, and making proposals to improve the earliest possible identification of deteriorating risk or buyers at risk of default.
• Recommending the appropriate risk underwriting strategy on a specific buyer to