Credit Risk Analyst, Tonbridge, KentCompetitive salary DOEOffice based for training then hybrid 2-3 days per week in the officeOur client is a growing specialist lender undergoing an exciting period of transformation, modernising its data infrastructure and credit risk capabilities. This newly created role offers the opportunity to play a key part in shaping how credit data is managed.The role will act as a bridge between the Credit function and the wider data strategy, working closely with a newly appointed Head of Data. The role combines credit portfolio management, regulatory compliance, and advanced data analysis to ensure robust risk management and operational efficiency.Responsibilities include:Maintain and validate loan portfolio data, ensuring accuracy, integrity, and robust reconciliation processesAnalyse credit and portfolio data to identify trends, anomalies, and early warning risk indicatorsSupport stress testing and impairment analysis, including understanding IFRS9 provisioning impactsBuild and enhance reporting and analytical tools using advanced Excel, SQL, and PythonReview property valuations and populate/maintain credit databases to support informed lending decisionsSupport model validation, data modelling, and continuous process improvement initiatives.The successful candidate will possess:Experience within credit risk and analysis in the commercial or residential property lending sector.Advanced Excel skills with the ability to build and maintain ..... full job details .....