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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 statements and credit reports
- Evaluate credit risk and make recommendations for credit limits
- Conduct industry research and market analysis
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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 statements and credit reports
- Evaluate credit risk and make recommendations for credit limits
- Conduct industry research and market analysis
- Communicate credit decisions to internal stakeholders
- Monitor and review existing credit accounts
- Prepare credit reports and presentations for management
- Collaborate with sales and finance teams to optimize credit processes
- Stay up-to-date on industry trends and regulations
- Provide training and support to junior analysts
- Identify opportunities for process improvements
Requirement
- Bachelor's degree in Finance or related field
- Minimum of 2 years of experience in credit analysis
- Strong analytical skills
- Excellent attention to detail
- Ability to work under pressure and meet deadlines
- Knowledge of financial software and databases
- Excellent communication and interpersonal skills
- Ability to work independently and as part of a team
- Certification in credit analysis is a plus
- Fluency in English and Mandarin is preferred
Skills
- Financial analysis
- Credit risk assessment
- Industry research
- Communication skills
- Attention to detail
- Teamwork
- Time management
- Problem-solving
- Microsoft Excel proficiency
- Customer service