Credit Analyst

Job Overview: We are seeking a diligent and analytical Credit Analyst to join our team. The Credit Analyst will be responsible for evaluating creditworthiness assessing financial risks and making informed credit decisions. This role plays a crucial part in maintaining sound credit policies and ensuring the financial health of our organization. The ideal candidate should possess strong analytical skills attention to detail and the ability to communicate effectively with internal stakeholders and external clients.

Roles and Responsibilities:

1. Credit Evaluation: Conduct thorough analysis of credit applications financial statements credit reports and other relevant information to assess the creditworthiness of individuals businesses or institutions.

2. Risk Assessment: Evaluate financial data and metrics to determine credit risk ratings including assessing repayment capacity liquidity profitability and collateral value. Use qualitative and quantitative analysis to identify potential risks and mitigating factors.

3. Credit Decision Making: Make informed credit decisions based on analysis of credit reports financial statements industry trends and economic conditions. Recommend appropriate credit limits terms and conditions in accordance with established credit policies and guidelines.

4. Relationship Management: Collaborate with sales teams account managers and clients to gather necessary information and discuss credit applications. Build strong relationships with internal stakeholders and external clients to facilitate efficient credit evaluation and decisionmaking processes.

5. Credit Monitoring and Portfolio Management: Monitor credit exposures and portfolio performance to identify early warning signs and potential credit deterioration. Conduct periodic reviews and assessments of existing credit facilities to ensure ongoing compliance with credit terms and conditions.

6. Reporting and Documentation: Prepare detailed credit analysis reports memos and presentations for senior management summarizing findings recommendations and risk assessments. Maintain accurate and uptodate credit files and documentation.

7. Compliance and Risk Management: Ensure compliance with regulatory requirements internal policies and procedures related to credit risk management. Implement risk mitigation strategies and controls to safeguard the organizations assets and minimize credit losses.

Skills Required:

• Bachelors degree in Finance Accounting Economics Business Administration or a related field. Masters degree (MBA MS Finance) and/or professional certification (e.g. CFA CPA) is a plus.
• 3 years of experience as a Credit Analyst or in a related role within banking financial services or corporate finance.
• Strong analytical skills with proficiency in financial statement analysis cash flow analysis and credit risk assessment.
• Knowledge of credit scoring models credit underwriting principles and industry best practices.
• Excellent communication and interpersonal skills with the ability to articulate complex financial information and credit decisions to diverse stakeholders.
• Detailoriented with strong organizational skills able to manage multiple priorities and meet deadlines in a fastpaced environment.
• Proficiency in Microsoft Excel and financial analysis software. Familiarity with credit analysis tools and databases (e.g. Moodys S&P Capital IQ) is advantageous.

Compensation:.

• Performancebased bonuses and incentives may range from 5% to 20% of base salary based on individual and company performance metrics.
• Additional benefits may include health insurance retirement savings plans paid time off and professional development opportunities.