Credit Analyst Job Description

A Credit Analyst assesses creditworthiness and evaluates risks associated with lending. They analyze financial statements and credit data to support lending decisions. This role is critical for making informed credit decisions to minimize potential losses.

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Credit Analyst Responsibilities Include:

  • Analyze credit data and financial statements to determine the risk involved in lending to clients
  • Prepare detailed credit reports and recommendations for approval or denial of credit applications
  • Conduct industry research and stay up-to-date on market trends
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Job Brief

We are looking for a detail-oriented Credit Analyst to assess borrower credit applications and evaluate financial risks. In this role, you will analyze financial data and make recommendations based on your findings.

You will work closely with the lending team to support decision-making and ensure compliance with lending policies. Strong analytical skills and attention to detail will be crucial for success.

The ideal candidate should have a background in finance or accounting, with proficiency in financial analysis tools. Excellent communication skills are necessary for this position. This role presents an opportunity to make significant contributions to our credit practices.

Responsibilities

  • Analyze credit data and financial statements to determine the risk involved in lending to clients
  • Prepare detailed credit reports and recommendations for approval or denial of credit applications
  • Conduct industry research and stay up-to-date on market trends
  • Communicate findings and recommendations to management and other stakeholders
  • Monitor and evaluate existing credit accounts to assess risk and compliance
  • Collaborate with other departments to ensure timely and accurate credit decisions
  • Develop and maintain relationships with clients and financial institutions
  • Identify opportunities for process improvement and efficiency
  • Adhere to company policies and regulatory guidelines
  • Provide support and guidance to junior team members

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Requirement

  • Bachelor's degree in Finance or related field
  • Minimum of 2 years experience in credit analysis
  • Strong understanding of financial statements
  • Excellent communication and interpersonal skills
  • Ability to work independently and as part of a team
  • Attention to detail and accuracy
  • Proficiency in Microsoft Excel and financial software
  • Ability to multitask and meet deadlines
  • Knowledge of credit risk assessment
  • Ability to make sound judgments based on data analysis

Skills

  • Analytical skills
  • Financial modeling
  • Risk assessment
  • Credit analysis software
  • Data analysis
  • Decision-making
  • Problem-solving
  • Attention to detail
  • Communication skills
  • Interpersonal skills

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