Responsibilities
- Analyze credit applications and financial statements to assess the creditworthiness of applicants.
- Evaluate the risk associated with loan requests, considering factors such as financial stability, repayment ability, and collateral.
- Conduct comprehensive financial statement analysis to understand the financial health of borrowers.
- Interpret financial ratios, cash flow, and liquidity to make informed credit decisions.
- Develop risk profiles for applicants and recommend appropriate credit limits, interest rates, and terms.
- Monitor existing loans and credit lines to identify potential risks or issues.
- Prepare detailed credit reports summarizing the analysis, findings, and recommendations for the credit committee or management.
- Ensure that reports are accurate, well-organized, and compliant with regulatory standards.
Stay informed about industry trends, market conditions, and economic factors that could impact credit decisions.
- Use this knowledge to provide insights and recommendations for credit strategy development.
- Communicate with clients or applicants to gather additional information and clarify details related to their credit applications.
- Provide explanations for credit decisions and offer guidance on improving creditworthiness.
- Ensure that all credit-related activities adhere to industry regulations, laws, and company policies.
- Provide guidance and mentorship to junior credit analysts.
- Collaborate with team members to streamline processes and improve credit assessment procedures.
Qualifications
- Bachelor's degree in finance, accounting, or a related field
- Experience as a credit analyst, with a proven track record in making informed credit decisions.
- Strong understanding of financial markets, lending principles, and credit risk assessment.
- Proficiency in financial analysis tools and software.
- Excellent analytical, problem-solving, and decision-making skills.
- Strong communication and presentation skills.
- Attention to detail and the ability to work in a fast-paced, deadline-driven environment.
If you are a highly skilled credit analyst looking to contribute to a dynamic and growth-oriented organization, we encourage you to apply.
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