Credit analyst
Credit analyst
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Salary Not Disclosed
1 Vacancy
Job Description
Credit Analyst Job Responsibilities:
- Gathers and analyzes loan applicants financial data to evaluate risk.
- Assesses creditworthiness of individuals companies and institutions.
- Collaborates with other financial experts to approve or deny loans.
- Makes recommendations about whether to increase adjust extend or close lines of credit.
- Undertakes risk analysis using regional sectorspecific environmental and other financial data.
- Prepares and presents credit reports.
- Completes quality assurance reviews.
- Gauges market trends.
- Monitors and adheres to collateral compliance covenants.
- Ensures that all loans are made in adherence with federal state and local financial regulations.
- Analyzes data to verify information and uncover fraud.
- Helps to update and improve credit rating criteria.
- Authors documents on credit risk and related financial matters.
- Communicates credit decisions and policies to fellow employees and credit applicants.
- Oversees or undertakes document preparation.
Credit Analyst Qualifications/Skills:
- Knowledge of commercial credit products market trends and/or loan procedures
- Attention to detail
- Analytical and critical thinking skills
- Quantitative skills
- Strong time management and multitasking skills
- Strong communication skills
- Project management
- Ability to research financial topics and present accessible reports on that research to colleagues with differing areas of expertise
- Adept at highstakes decision making and negotiation
- Strong interpersonal and customer service skills including the ability to form and maintain client and business relationships
- Business acumen
- Discretion and a dedication to protecting the financial privacy of clients business partners and employer
Education Experience & Licensing Requirements:
- Bachelors degree in business accounting economics or finance masters degree a plus
- CFA certification a plus
- Experience using spreadsheet software
- Basic understanding of accounting statistics and economics
- Previous experience as a credit analyst or loan officer preferred
Employment Type
Full Time
