Credit Analyst
Credit Analyst
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Job Description
Overview:
Key Responsibilities:
- Reviewing and analyzing credit applications and financial statements
- Assessing credit risk and determining the likelihood of repayment
- Conducting financial statement spreading and cash flow analysis
- Preparing credit proposals and presenting findings to decisionmakers
- Performing industry and market research to evaluate potential risks
- Monitoring and managing the credit exposure of existing clients
- Collaborating with other departments to ensure compliance with regulations
- Providing recommendations for credit limits and terms
- Communicating credit decisions to relevant stakeholders
- Developing and maintaining strong relationships with clients
- Utilizing credit scoring models and statistical tools for assessment
- Ensuring accuracy and completeness of credit documentation
- Identifying opportunities to improve credit processes and procedures
- Participating in credit risk review and portfolio analysis
- Adhering to internal policies and external regulatory requirements
Required Qualifications:
- Bachelors degree in Finance Business Economics or related field
- Proven experience in credit analysis or financial risk assessment
- Strong knowledge of financial statement analysis and credit underwriting principles
- Proficiency in using financial analysis tools and software
- Ability to interpret complex financial data and make informed judgments
- Excellent communication and presentation skills
- Solid understanding of regulatory requirements and compliance standards
- Detailoriented with strong analytical and problemsolving abilities
- Ability to work independently and make sound decisions
- Familiarity with credit scoring models and statistical techniques
- Demonstrated ability to manage multiple priorities and meet deadlines
- Strong interpersonal skills to collaborate with crossfunctional teams
- Professional certification such as CFA or CPA is a plus
- Knowledge of industry best practices and market trends
- Commitment to ethical conduct and confidentiality in handling sensitive information
presentation skills,credit documentation management,credit scoring,statistical tools,client relationship management,communication,communication skills,portfolio analysis,prioritization,cash flow analysis,confidentiality,financial analysis,credit decision communication,interpretation of financial data,financial data analysis,interpersonal skills,regulatory compliance,credit scoring models,credit underwriting,credit exposure management,market research,loan evaluation,ethical conduct,credit process improvement,financial statement analysis,problem-solving abilities,analytical skills,financial analysis tools proficiency,industry research,compliance management,independent decision-making,credit risk assessment,risk assessment,financial statement spreading
Employment Type
Full Time
