Credit Analyst

Roles and responsibilities

We are looking for a professional Credit Analyst to determine our customers’ creditworthiness. You will analyze financial data to assess the likelihood of a borrower honoring their financial obligations.

Responsibilities

• Assess credit worthiness 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 flow 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 analyse 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

• Time Management: Managing multiple applications and analyses to meet deadlines efficiently.

• Risk Assessment: Evaluating and quantifying credit risk and understanding its implications for lending.

• Technical Proficiency: Familiarity with credit analysis software and tools, as well as Excel for data analysis.

• Regulatory Knowledge: Understanding relevant laws and regulations in the credit and lending industry.

Desired candidate profile

• Analytical Skills: Ability to assess financial statements, credit reports, and other data to evaluate creditworthiness.

• Attention to Detail: Ensuring accuracy in financial analysis and documentation.

• Financial Acumen: Strong understanding of financial principles, credit risk assessment, and lending practices.

• Research Skills: Proficient in gathering and interpreting data from various sources to make informed decisions.

• Communication Skills: Clearly presenting findings and recommendations to stakeholders, including lenders and management.

• Problem-Solving: Identifying potential issues in credit applications and proposing solutions.

• Time Management: Managing multiple applications and analyses to meet deadlines efficiently.

• Risk Assessment: Evaluating and quantifying credit risk and understanding its implications for lending.

• Technical Proficiency: Familiarity with credit analysis software and tools, as well as Excel for data analysis.

• Regulatory Knowledge: Understanding relevant laws and regulations in the credit and lending industry.