Role Description

We are seeking a detail-oriented Credit Analyst / Risk Analyst to support financial decision-making through comprehensive credit assessments, risk evaluation, and data analysis. This role focuses on identifying, measuring, and monitoring financial and operational risks while providing insights that support responsible lending, investment, and business strategies.

The ideal candidate possesses strong analytical skills, sound judgment, and the ability to interpret financial and business information accurately.

Key responsibilities include

- Analyze financial statements, credit reports, and business data to assess creditworthiness and risk exposure.
- Evaluate credit applications, lending opportunities, and financial performance using established risk assessment methodologies.
- Monitor credit portfolios and identify emerging risks, trends, or potential issues.
- Prepare detailed credit and risk assessment reports with recommendations for stakeholders.
- Conduct quantitative and qualitative analysis to support lending, investment, and strategic decisions.
- Review financial ratios, cash flow, liquidity, profitability, and debt capacity.
- Assist in developing and maintaining credit policies, risk frameworks, and internal control procedures.
- Monitor compliance with internal policies, regulatory requirements, and industry standards.
- Collaborate with finance, operations, compliance, and business teams to support effective risk management.
- Analyze market trends, economic indicators, and industry developments that may impact risk exposure.
- Support portfolio reviews, stress testing, and scenario analysis to evaluate potential financial impacts.
- Identify opportunities to improve risk management processes through automation and data-driven insights.
- Maintain accurate documentation, records, and reporting related to credit and risk activities.




- Present analytical findings and recommendations clearly to management and relevant stakeholders.
- Contribute to continuous improvement initiatives that strengthen financial controls and decision-making.

Qualifications
- Bachelor's degree in Finance, Accounting, Economics, Business Administration, Mathematics, Statistics, or a related field.
- Strong understanding of credit analysis, financial statement analysis, and risk management principles.
- Knowledge of financial ratios, cash flow analysis, profitability analysis, and credit evaluation techniques.
- Familiarity with lending practices, financial regulations, and compliance requirements.
- Proficiency in Microsoft Excel and other data analysis or reporting tools.
- Ability to interpret financial data, market information, and economic trends.
- Strong analytical, quantitative, and critical thinking skills.
- Excellent problem-solving abilities with strong attention to detail.
- Ability to prepare transparent, accurate, and well-structured analytical reports.
- Strong organizational and time management skills with the ability to manage multiple priorities.
- Excellent written and verbal communication skills.
- Ability to collaborate effectively with cross-functional teams and stakeholders.
- Familiarity with business intelligence tools, financial systems, or data visualization platforms is an advantage.
- Understanding of statistical analysis and risk modeling concepts is beneficial.
- High level of integrity, professionalism, and confidentiality when handling sensitive financial information.
- Self-motivated, adaptable, and committed to continuous learning and professional development.
- Ability to work independently while contributing effectively within a collaborative team environment.
- Commitment to maintaining accuracy, compliance, and sound financial decision-making processes.

📌 Credit Analyst / Risk Analyst (Australia)
🏢 Portal de Vacantes RD
📍 Australia