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Products
AI JOB AD
Create compelling job ads in seconds with AI-powered assistance.
AI JOB FOLDER
Automate your candidate screening and folder management.
CAREER PAGE
Build your personalized career page with strong company branding to attract candidates and manage your job vacancy.
AJOBTHING REVIEW
Explore what employers love about AJobThing recruitment platform for fast & successful hiring
AJOBTHING CARE
Get dedicated after-sales support, hiring guidance, and personalized assistance to ensure your recruitment success.
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Collaborate with us to achieve mutual success and reach a wider audience.
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.
Utilize this Credit Analyst job description template to attract skilled candidates for your lending or financial institution. Tailor the specifics to align with your organization's needs.
Credit Analyst Responsibilities Include:
- Analyze financial data and credit reports to assess creditworthiness of individuals and businesses
- Prepare credit risk assessments and recommend credit limits
- Review loan applications and make recommendations for approval or denial
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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 financial data and credit reports to assess creditworthiness of individuals and businesses
- Prepare credit risk assessments and recommend credit limits
- Review loan applications and make recommendations for approval or denial
- Monitor and evaluate credit portfolios to identify potential risks
- Collaborate with internal teams to provide credit analysis and recommendations
- Stay up-to-date on industry trends and regulatory changes
- Prepare reports and presentations for management and stakeholders
- Ensure compliance with company policies and regulatory requirements
- Provide recommendations for improving credit processes and procedures
- Conduct periodic reviews of credit files and customer accounts
Requirement
- Bachelor's degree in Finance, Accounting, Economics, or related field
- Minimum 2 years of experience in credit analysis
- Strong understanding of financial statements and credit risk assessments
- Excellent communication and interpersonal skills
- Ability to work independently and in a team environment
- Proficiency in Microsoft Excel and financial analysis software
- Attention to detail and strong organizational skills
- Ability to multitask and meet deadlines
- Knowledge of regulatory requirements and compliance standards
- Professional certification (e.g. CFA, CPA) is a plus
Skills
- Financial analysis
- Credit risk assessment
- Data analysis
- Financial modeling
- Risk management
- Regulatory compliance
- Communication skills
- Interpersonal skills
- Organizational skills
- Problem-solving