Credit Risk Analyst
Employer · MET Group
Financial analyst
Business analystFull-timeBudapest
The Credit Risk Analyst will help to ensure effective and responsible credit risk management throughout the MET Group. The role involves conducting thorough financial and credit risk assessments for a wide range of corporate and financial counterparties, with a primary focus on European energy markets. Beyond strong core credit skills, we are looking for an analytical and digitally minded professional who is comfortable using modern data and technology tools to improve the quality, efficiency and scalability of credit risk analysis.
Tasks
- Perform in-depth qualitative and quantitative credit risk analyses of corporate and financial counterparties
- Prepare clear, structured and decision-oriented credit assessments, including ratings, credit limits and recommendations
- Maintain and review key credit risk metrics, including ratings, PDs, limits and utilisation
- Identify early-warning signals and recommend appropriate risk mitigation measures, including collateral, prepayments, limit adjustments and action plans
- Contribute to portfolio and sector reviews, stress testing and scenario analysis
- Support recovery and workout activities for financially distressed counterparties
- Monitor exposure developments and anticipate potential credit limit breaches, ensuring timely escalation
- Contribute to regular credit risk and portfolio reporting
- Present credit views in internal working groups and governance forums
- Support Credit Risk Insurance activities, including limit monitoring and periodic declarations
- Contribute to the continuous development of credit risk methodologies and best practices
- Use data, analytics and digital tools to enhance credit analysis, portfolio monitoring and reporting
- Identify opportunities to automate repetitive activities and improve the efficiency and consistency of credit processes
- Support the development of portfolio-level analytics and early-warning capabilities
- Explore practical applications of automation in credit risk management
- Collaborate with Credit, IT and Digital Transformation teams on relevant initiatives
Requirements
- 2-5 years of experience in credit risk, financial analysis or risk management
- University degree in Finance or economics
- Strong understanding of financial statements, cash flow analysis, leverage, liquidity and key credit risk drivers
- Strong interest in using analytics, automation and AI to solve practical business problems and improve credit risk processes
- Comfortable working with large datasets, imperfect information and tight deadlines
- Willingness to continuously develop digital and analytical capabilities as the Credit Risk Analyst role evolves
- Advanced Excel skills are expected
- Fluency in English; additional European languages are an advantage