Credit Risk Analyst
14-08-2024
Marktconform
Medior
Amsterdam
This role is within the Risk Management & Controlling department of Lloyds Bank GmbH in the Netherlands. Lloyds Bank is a retail bank offering lending and savings solutions to customers in the Netherlands and Germany. Reporting to the Credit Risk Control Unit lead, the Junior Credit Risk Analyst is expected to assist in the development of risk management processes, frameworks and to analyse data to identify potential risk areas. This is a great opportunity for someone who is interested to develop a career in the banking industry, specifically in the risk management area – a challenging and rewarding field. Business reporting and statistical analytical skills are required to comprehend local systems in SQL programming language.
Key accountabilities
- Run Business as Usual (BAU) activities, such as preparing the inputs for the IRB and IFRS9 model, analyze and present results to stakeholders
- Analyze and monitor risks related to the housing market in the Netherlands
- Carry out data investigations and create reports, e.g. using SQL and Power BI
- Analyze data to support risk identification and assessment
- Develop risk mitigation strategies
- Build and manage effective relationships with colleagues in the wider Risk team and across partnering business functions
Profile
- Bachelor’s degree level or equivalent in a highly analytical and numerate discipline, such as econometrics, mathematics, physics, or similar
- Basel regulation knowledge, specifically on capital (credit risk)
- Strong interest in developing knowledge of Probability of Default (PD) / Loss Given Default (LGD) / Exposure at Default (EAD) / Internal Ratings Based (IRB) / Stress Testing
- Broad knowledge of credit risk lifecycle, decision systems and financials
- Pro-active attitude is required
- Ability to get things done under pressure and hands-on mentality
- Advanced analytical and problem-solving skills
- SQL (Advanced) skills
- MS Office Advanced skills (Excel and PowerPoint); Experience with Power BI is a plus
- Ability to learn self-train and find solutions
- Self-motivated and well organized
- Excellent communication skills, verbal and written (English)
