The Credit Analyst analyzes financial statements and the creditworthiness of corporate clients to support lending decisions. This role involves preparing detailed credit memos and monitoring portfolio performance to ensure sound credit risk management.
Responsibilities
Financial Analysis: Analyze financial statements to assess creditworthiness.
Credit Memos: Prepare detailed credit memos for lending decisions.
Portfolio Monitoring: Monitor the performance of the credit portfolio.
Risk Management: Support risk management efforts by providing credit analysis.
Client Evaluation: Evaluate corporate clients to ensure sound lending practices.
Qualifications
Education: Bachelor’s degree in Finance, Accounting, or a related field.
Experience: 2-4 years of experience in credit analysis or risk management.
Skills:
Strong analytical and financial skills.
Excellent communication and report writing abilities.
Proficiency with financial analysis software.
Understanding of credit risk management principles.
Behavioral Competencies
Analytical Thinking: Strong ability to analyze financial data and make informed decisions.
Attention to Detail: Ensure accuracy in financial analysis and credit memos.
Problem-Solving: Identify and address credit risk issues proactively.
Customer-Centric: Focused on providing accurate and reliable credit evaluations.
Personal Characteristics
Ethics: Maintains high ethical standards in credit evaluations.
Team Player: Works well with other analysts and departments.
Detail-Oriented: Pays close attention to the financial details of each client.
Passion for Accuracy: Driven to ensure accurate credit assessments.