Credit Risk Analyst

Credit Risk (H/M/X) At Manpower Professional Recruitment, we are looking for a Credit Risk Analyst to join a major leading mobility company in Madrid. What will your mission be? You will be responsible for analyzing the solvency of individual and corporate clients, evaluating credit risks, and issuing technical opinions that allow for rigorous and agile decision-making within the established delegation levels. Main responsibilities Analysis of financial statements (balance sheet, income statement, and cash flows). Calculation and interpretation of financial ratios and risk metrics. Evaluation of credit applications and issuance of credit opinions. Updating client ratings and scoring. Validation of automated or semi-automated credit decisions. Preparation of risk reports and credit files. Coordination with commercial teams to explain decisions and analysis criteria. Participation in Credit Origination processes, including KYC verifications where appropriate. Authorization of operations within assigned delegation limits and escalation to the second line of defense when appropriate. Essential requirements University degree in Business Administration, Economics, Finance, Mathematics, Statistics, or similar. More than 2 years of experience in credit risk analysis. Solid knowledge of financial statement interpretation. Experience in risk assessment for companies and/or consumer finance. Advanced level of Excel and financial analysis tools. High level of English (B2 - C1) What does the project offer? Joining a benchmark organization in the financial sector. Participation in the first line of defense, with real decision-making capacity. Collaborative environment with high exposure to the business. Joining a large group leading its sector. A stable and growing project with possibilities to advance within the company. If you are looking for an analytical challenge with a direct impact on decision-making, we want to meet you.