Risk Credit Analyst

Ballinger Group

Birkirkara, Birkirkara, Malta permanent

Posted: February 12, 2026

Job Description

Role purpose

Strengthen the Group’s credit/counterparty risk capability through consistent credit analysis, portfolio monitoring, and data-led MI, supporting robust limit governance and forward-looking insight across entities.

Key responsibilities

• Credit analysis & reviews: lead counterparty/client assessments; maintain credit memos and periodic reviews; track conditions and follow-ups.
• Exposure, concentration & limits monitoring: produce and interpret credit exposures, limit utilisation, concentrations, and exceptions; propose escalations with supporting analysis.
• Credit MI & dashboards: build and own credit reporting packs (trend commentary, watchlists, drivers of change); partner with Quant/Data Engineer to automate and standardise.
• Stress/scenario inputs: contribute credit-focused scenarios, sensitivity analysis, and “what changed?” investigations.
• Data discipline: ensure definitions are consistent (exposure measures, limit logic, entity mapping); document methodology changes.
• Governance support: prepare inputs for ALCO / credit governance forums and ensure clear action tracking and closure evidence.

Key deliverables (examples)

• Credit watchlist + periodic review schedule
• Credit exposure & limits MI with narrative and exceptions
• Credit memos / review notes and conditions tracker
• Automated credit dashboards (where feasible) and definitions documentation

Success measures

• Better-quality, assessment-based credit decisions with clear evidence
• Fewer limit surprises; improved early-warning capability
• Reduced manual reporting and improved data consistency across entities

Benefits:
Competitive Salary

Annual Bonus

Private Medical

Why Apply Through MisuJob?

AI-Powered Job Matching: MisuJob uses advanced artificial intelligence to analyze your skills, experience, and career goals. Our matching algorithm compares your profile against thousands of job requirements to find positions where you have the highest chance of success. This saves you hours of manual job searching and ensures you only see relevant opportunities.

One-Click Applications: Once you create your profile, applying to jobs is effortless. Your resume and cover letter are automatically tailored to highlight the most relevant experience for each position. You can apply to multiple jobs in minutes, not hours.

Career Intelligence: Beyond job matching, MisuJob provides valuable career insights. See how your skills compare to market demands, identify skill gaps to address, and understand salary benchmarks for your experience level. Make data-driven decisions about your career path.

Frequently Asked Questions

How do I apply for this position?

Click the "Register to Apply" button above to create a free MisuJob account. Once registered, you can apply with one click and track your application status in your dashboard.

Is MisuJob free for job seekers?

Yes, MisuJob is completely free for job seekers. Create your profile, get matched with jobs, and apply without any cost. We help you find your dream job without any hidden fees.

How does AI matching work?

Our AI analyzes your resume, skills, and experience to understand your professional profile. It then compares this against job requirements using natural language processing to calculate a match percentage. Higher matches mean better fit for the role.

Can I apply to jobs in other countries?

Absolutely. MisuJob features jobs from companies worldwide, including remote positions. Filter by location or look for remote opportunities to find jobs that match your preferences.

Ready to Apply?

Join thousands of job seekers using MisuJob's AI to find and apply to their dream jobs automatically.