Credit Risk Analyst

Location Dublin
Job Type Permanent
Salary €70,000 to €80,000
Reference 29214

The Credit Risk Analyst is primarily responsible for credit analysis and underwriting activities, evaluating financial position and credit worthiness, for prospective and existing merchant accounts.

Key Responsibilities

  • Performs credit analysis and underwriting activities, evaluating financial position and credit worthiness, for prospective and existing merchant accounts
  • Maintains and reviews current information on existing accounts
  • Reviews credit history to assess credit worthiness of new prospective clients
  • Ensures a balanced risk and revenue trade-off consistent with credit policy and loss target expectations
  • Investigates the processing activity on accounts that have exceeded the parameters set in our risk management system and make a real time decision if the account is conducting business in a fraudulent manner or in a way that increases the credit exposure to the company and its partners. Investigations include the gathering of data from various sources & systems and interpreting the data.
  • Ability to work in a fast pace environment and be able to make real time and accurate decisions
  • Ability to communicate effectively and professionally with Law Enforcement, Visa, MasterCard, Attorneys, Merchant Business Owners, and credit card customers who make purchases at our clients business
  • Other responsibilities as required

REQUIREMENTS

  • Bachelors in Finance, Accounting or related field
  • 2-4 years credit analysis experience or equivalent
  • An understanding of basic risk management practices
  • Excellent written and verbal communication skills
  • Proficiency with Microsoft Office products
  • Highly organised with the ability to prioritise workload and manage multiple responsibilities effectively without losing attention to detail
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