About Risk Analytics Ltd.

Risk Analytics Limited provides risk management and administration of a low ultimate volatility portfolio of bonding and surety risks supporting the SME sector.

With the increased use of artificial intelligence, we are able to increase our scope and geographical reach and be a service provider going beyond the expected in all European countries.

Role Description

The Credit Analyst analyses the creditworthiness of businesses to assess risk, determines appropriate credit limits for transactions. He/she evaluates financial statements, industry trends, and payment histories to approve or decline credit, ensuring compliance with underwriting guidelines, risk management policies, and regulatory standards. In particular the role will be dedicated to the surety programs of the company in Central and Eastern Europe (Germany, Austria, Hungary, Romania, Bulgaria, Baltic countries).

Main Duties

Risk Analysis: Evaluate financial statements, P&L, balance sheets, and cash flow to determine the creditworthiness of buyers.
Credit Limit Approval: Set and manage credit limits for clients based on risk assessment.
Portfolio Management: Monitor existing credit exposure and adjust limits based on changing economic conditions.
Policy Compliance: Ensure all underwriting decisions comply with internal guidelines and, if applicable, insurance regulations.
Stakeholder Communication: Liaise with brokers, clients, and sales teams to facilitate transactions and explain credit decisions.
Industry Research: Analyse specific business sectors to understand potential risks.

Legal and Regulatory Compliance

Verify that policy wordings, bond texts and indemnity agreements are correctly applied to each case and comply with relevant legal and regulatory standards.
Ensure adherence to applicable insurance, data protection and anti-money-laundering regulations.
Maintain appropriate internal documentation and cooperate with compliance and audit functions.

Reporting and Analysis

Oversee the preparation of monthly claims bordereaux and any other reports required by insurers, reinsurers or the Company’s management.
Contribute to loss ratio analysis and performance indicators relevant to the claims portfolio.
Report to management on significant claims, trends, and potential systemic issues.

Requirements

Experience: Previous experience in trade credit insurance, commercial lending, or corporate credit risk analysis is an asset.
Analytical Skills: Strong ability to analyze financial data and create risk-scoring models.
Financial Literacy: Solid understanding of accounting principles, P&L, balance sheets, and cash flow.
Software Proficiency: Experience with Excel, Word, and CRM tools.
Communication: Excellent verbal and written communication skills for negotiating and reporting.
Language: German required. Knowledge of Romanian is a plus.

Credit Analyst

Job Description