Company Description

We are recruiting a Junior Regional Risk Analyst to support Regional Risk Analyst and actively assist in credit risk assessment, credit analysis, and credit decision-making across Europe. This role will play a key part in assessing the financial position of prospective and existing customers, preparing clear and accurate business cases, and supporting credit decisions that balance risk and reward. You will work closely with senior stakeholders, ensuring documentation is accurate, insights are well-articulated, and risks are clearly understood. The role requires fluency in English and German and offers significant development and progression opportunities within a fast-paced, global organisation.

Job Description

Analyse and collate data from multiple internal and external sources to complete credit risk reviews
Communicate risk recommendations to senior stakeholders to influence and shape risk/ reward decisions
Review financial information: P&L, Balance sheet, and cashflow statements, and compile trend analysis, produce risk reviews for senior management and external insurance companies.
Accurate and timely record keeping
Workload planning and prioritisation
Manage accounts through to conclusion, working to agreed deadlines and obtaining buy in for actions from key stakeholders
Fraud prevention using spend trends to identify risks
Timely query resolution, working with colleagues in other departments, such as sales, Account Management, Fraud and to resolve issues
Manage the relationship with sales account management to ensure open communication and agreed level of risk/ reward
Underwrite credit limits
Presenting credit recommendations to key stakeholders
Credit Review management, ensuring effective decisions are made to minimize risk
Actively engage in relevant and appropriate opportunities for cross-department working to build relationships & share knowledge
Participate in meetings and projects with wider credit team to continually improve department performance
Developing and maintaining excellent relationships with key stakeholders within the Radius Group
Use exposure to different areas of Credit and businesses / products to share good ideas and approaches across the team and improve the processes and systems as a result

Qualifications

Strong analytical skills with the ability to interpret financial information
Working knowledge of financial statements and credit risk principles
Strong Excel skills (data analysis, trend identification, reporting), and PowerPoint
Excellent attention to detail
Excellent presentation skills
Ability to prioritise workload and adapt in a fast-paced, changing environment
Clear and confident communicator, able to engage with stakeholders at all levels
Fluent in English and German; other European language is a plus.

Additional Information

Actively engage in relevant and appropriate opportunities for cross-department working to build relationships & share knowledge
Participate in meetings and projects with wider credit team to continually improve department performance
Developing and maintaining excellent relationships with key stakeholders within the Radius Group

Use exposure to different areas of Credit and businesses / products to share good ideas and approaches across the team and improve the processes and systems as a result.

Radius is an equal opportunities employer. We are committed to welcome people regardless of age, disability, gender identity, race, faith or belief, sexual orientation or socioeconomic background.

We are committed to ensuring an inclusive and accessible recruitment process for all candidates. If you require any adjustments or accommodations at any stage of the process, please let us know, and we will do our best to support you.

We reserve the right to close a vacancy before the closing date in the event of an overwhelming response or a change in business priorities.

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Radius Limited