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Credit Risk Analyst

Hybrid in Madrid·Added 2 days ago (last checked 27 Oct)

Agency

Michael Page España

2316 open roles

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Our summary

Salary: €34,000 - €44,000 a year
About €2,150 - €2,670 a month after tax.
Hours: Jornada intensiva on Fridays and in summer
Work mode: Hybrid, Madrid
Contract: Permanent
English: Required
Experience: 2+ years
Education: University degree

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Skills

This job advert was originally written in Spanish.

Pay & benefits

What you'll get

Permanent contract.
Salary between €34,000 and €44,000 gross per year.
2 days of remote work per week
Flexible working hours
Intensive working day on Fridays, July, and August.

If you are interested in the Credit Risk Analyst position, apply now!

The role

As a Credit Risk Analyst in Madrid, you will analyze credit operations to provide clear information for decision-making within the financial services sector. Your work will help maintain a consistent assessment of applications and facilitate the financial management of the business. #JoinMichaelPage

Leading company in sustainable mobility solutions and vehicle renting.

What you'll do

The main responsibility of the Credit Risk Analyst is the necessary and appropriate risk assessment for each client and type of credit application. This includes the assessment of financial data, such as balance sheets and profit and loss statements, to determine the level of default risk, including the calculation of financial ratios, the interpretation of automated decision-making results, and the preparation of various reports.
For the credit analysis process (Credit Origination), the analyst will perform the credit analysis, which may include KYC (Know Your Customer) elements and the updating of ratings or scoring, and will issue a credit opinion. They are also responsible for registering new clients in the risk system following the registration performed by sales, if necessary.
In automatic or semi-automatic decisions, the credit risk analyst is responsible for validating the information used in that regard.
If the credit application falls within their delegations, as defined in the corresponding local delegation letter, the analyst will make the credit decision and proceed with its authorization. Otherwise, they will be responsible for preparing the credit file to be shared with the local Credit Risk Underwriting team for validation. For credit review, the analyst is responsible for the periodic updating of the rating/score.

Who are we looking for (M/F/D)?

The selected candidate must meet the following requirements:

Intermediate or higher university degree. Degree in Economic Sciences, ADE, mathematics, statistics, or similar.
High level of English, both spoken and written.
High level of Office Package
More than 2 years of experience in similar positions
Experience in credit risk

Hiring process

2 steps2 interviews

CV registration
Consultant contact
With a specialist Michael Page consultant
If they see that your experience and motivations fit the values and needs of a hiring company, they will contact you to start the selection process: they will learn about your expectations, answer your questions and help you prepare for each stage of the process.
Company interview
With a client company
If your application progresses, we will help you prepare for the interview with useful information about the company, its culture and what it looks for in a profile like yours.
Final stage and negotiation · With a client company

The final stages are set by the client company: Michael Page acts as an intermediary, and the interview and decision rest with the hiring company.
Support continues after the contract is signed.
Michael Page cannot support every candidate; registering and keeping your profile up to date opens the door to future processes.

About Michael Page España

Michael Page is a global recruitment consultancy and part of PageGroup, one of the world's leading professional recruitment firms. The company specializes in placing mid-to-senior level professionals across a wide range of sectors, including technology, engineering, finance, sales, and human resources. With a strong presence in Spain, Michael Page operates offices in major cities and offers services such as executive search, temporary staffing, and outsourcing solutions.