Credit Risk Analyst

Credit Risk Analyst

  • Location: Malta
  • Type: Permanent
  • Job #11189

For an ambitious and rapidly expanding client in Malta we are looking for an Internal Auditor to assist them in strengthening their corporate governance.  


  • Review of new merchant applications with the objective of identifying the financial risks the company may be exposed to.
  • Working closely with the underwriting officers to get an overall view of a merchant application.

  • Ongoing reviews of merchant accounts to ensure processing is still in line with expectations ensuring Credorax are properly secured by sufficient collateral.

  • Assess merchant’s financial position through proper financial statement analysis.

  • Setting merchant collateral to mitigate financial risk.

  • Regular liaison with various departments to understand and explain the risk exposed by new and existing merchants.

  • Preparation of regular reports for internal and external stakeholders.

  • Maintain and adjust Credit Risk Assessment in line with the Credit Risk and Risk Appetite Policy of the company.

  • Developing new monitoring structures to identify negative trends in both merchant’s and portfolio’s performance.

  • Preparation of visual monthly reports to facilitate the explanation of Risk findings.

  • Take necessary measures to minimize the credit risk exposure of the company as guided by senior management.

  • Keep abreast with the latest updates in the various card scheme rules and regulations

  • Maintaining ongoing relationships with the various stakeholders and keeping them up-to-date with any updates within the Risk framework of the company.

  • Liaise with other departments in view of making existing processes more efficient whilst constantly looking out for new and improved ways to streamline processes and workloads.
  • Any ad hoc duties as requested by management.


  • Be Degree qualified in Banking & Finance, Statistics, Economics or related discipline.Requirements
  • Have experience within the payment industry, acquiring experience is beneficial but not necessary, and within Credit Risk.

  • Have advanced Excel Knowledge.

  • Ability to read, analyze, and interpret business financial statements

  • Be excellent at communicating – Both verbal & in writing.

  • Fluent in English.

  • Be able to work under minimum supervision.

  • Naturally have a flair for the intuitive and investigative nature of the role.

Apply Now

Apply Now

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Are you interested, get in touch with:

Nathan Southerton

[email protected]

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