Crown Agents Bank
Credit Risk Analyst
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About Crown Agents Bank
Crown Agents Bank is a rapidly growing, regulated UK bank connecting emerging and frontier markets to the world through innovative FX and payments technology. Our mission is simple: reduce friction so more money reaches those who need it.
For over 200 years we’ve built trusted networks across hard-to-reach markets. Today, we pair that heritage with digital innovation to support fintechs, corporates, governments, development organisations and banks with cross-border payments and FX solutions.
Job Description
Working alongside an existing team of credit risk colleagues and reporting to the Head of Credit & Country Risk, the role supports the effective delivery of an end-to-end Credit and Country Risk Management function for Crown Agents Bank Group.
The role has a dual analytical focus:
- Credit and counterparty risk assessment across the Bank’s lending, payments, FX and trade-related activities; and
- Country risk analysis, particularly across emerging and frontier markets that are core to CAB’s business model.
In addition, the role is expected to actively contribute to the modernisation of credit and country risk processes, leveraging data, systems and automation to improve efficiency, consistency and control across the risk function.
You will be responsible for assessing and continuously monitoring the creditworthiness of the Bank’s borrowers, counterparties and countries of operation, ensuring that all credit activities remain within approved risk appetite and tolerance levels.
Responsibilities
Credit & Counterparty Risk:
- Assist in the preparation of credit applications and reviews, based on high-quality, well-structured risk assessments, to support informed credit decisions by approving authorities for new and existing clients. Coverage includes FIs, NBFIs, Central Banks, IDOs, NGOs/charities and corporates.
- Contribute to the ongoing monitoring of counterparty credit risk, including limit utilisation, exposure movements and early warning indicators, in line with internal policies and risk appetite.
- Support the effective administration and monitoring of the credit portfolio, including limit maintenance, controls and reporting to minimise credit losses.
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Country Risk:
- Play an active role in the analysis, assessment and periodic review of key emerging and frontier market countries relevant to CAB’s operating footprint.
- Support the development and maintenance of country risk assessments, incorporating macro-economic, sovereign, FX, political, banking sector, structural and financial-crime-related risk considerations.
- Contribute to country risk monitoring, thematic analysis and escalation discussions, ensuring that country-level risks are appropriately reflected in credit decisions, limits and portfolio oversight.
Data, Systems & Automation:
- Contribute to the streamlining and automation of credit and country risk processes, including data capture, risk assessment templates, portfolio monitoring and management information (MI).
- Work with internal stakeholders to help convert manual or fragmented processes into more structured, data-driven and repeatable workflows.
- Assist in the enhancement of credit and country risk tools, policies and procedures, with a focus on operational efficiency, auditability and consistency of risk outputs.
Governance, Projects & Stakeholder Support:
- Participate in credit and country risk projects and initiatives, including periodic and ad-hoc reporting, regulatory or audit requests, and framework or policy enhancements.
- Support the Head of Credit Risk with broader departmental initiatives and priorities, as required.
Qualifications
Qualifications
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At least a bachelor’s degree or equivalent in a commercial/numerical subject and/or relevant professional qualification.
Experience/Skills:
- Relevant and demonstrable experience gained either in a financial services, banking, rating agency, treasury or accounting environment, ideally in an emerging/frontier market context.
- Strong credit analytical ability, focused on the assessment and calibration of credit risk. Financial modelling skills would also be desirable.
- Knowledge of banking products from a credit risk perspective including payments, treasury/FX products (including derivatives), and trade finance.
- Strong written and verbal communication skills, with a demonstrated ability to operate as a team player and work collaboratively across functions, cultures and seniority levels within a dynamic and evolving organisation.
- Data-literate and systems-aware mindset, with experience using Excel, databases, dashboards or risk systems to analyse, monitor or report risk.
- Demonstrated interest or experience in process improvement, automation or use of technology to enhance risk management workflows.
- Ability to work under pressure and plan to ensure that tasks are completed within agreed timeframes and urgent tasks/assignments are prioritized.
- French/Portuguese/Spanish language skills desirable.
Additional Information
- Hybrid working
- Contributory personal pension plan: Minimum: Employee 2% and Employer 7%. Employer matches contributions in 1% increments to a maximum of: Employee 5% and Employer 10%
- Life Assurance – 4 times annual salary
- Group Income Protection
- Private Medical Insurance – this may include cover for partner and/or children at company cost. Cover includes Optical, Dental and Audiology
- Discretionary Bonus
- Competitive Annual Leave
- 2 Volunteering Days
- Benefit Hub
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