Job Description, Responsibilities & Requirements
About the Position
We are seeking a professional Credit Analyst to assess our customers' creditworthiness. You will analyze financial data to determine the likelihood of a borrower fulfilling their financial obligations.
Responsibilities
- Assess the creditworthiness of existing or prospective clients
- Examine financial transactions and credit history case by case (applications, statements, balance sheets, legal documents, etc.)
- Complete ratio, trend, and cash flows analyses and create projections
- Deliver a multidimensional perspective on the investment outlook in an accessible and informative manner
- Determine in depth the degree of risk involved
- Carefully analyze data and produce clear and objective reports
- Routinely monitor loans for compliance
- Adhere to credit policy and guidelines
- Monitor corporate portfolio asset quality on an ongoing basis
- Draft models of credit information that predict trends and patterns
Requirements
- Proven working experience as a credit analyst
- Proficiency in statistical packages and financial software
- Up to date with legal, compliance, and market risk-related issues
- Ability to analyze cash flows, leverage, collateral, and customer strength
- Strong communication and presentation skills
- Sound judgement
- BS degree in Business, Statistics, or related field
We Offer
[No specific benefits mentioned in the original text]
About the Company
[No specific company description mentioned in the original text]