Job Responsibilities

Analyze financial statements, credit reports, and other relevant data to assess the creditworthiness of individuals and businesses.
Prepare detailed credit analysis reports and provide recommendations for credit approvals, renewals, or denials.
Monitor and evaluate existing credit accounts to identify potential risks and ensure compliance with company policies and regulations.
Collaborate with internal teams, including sales and underwriting, to structure credit solutions that align with client needs and company objectives.
Stay updated on industry trends, economic conditions, and regulatory changes that may impact credit risk assessments.
Assist in the development and implementation of credit policies and procedures to enhance risk management practices.
Communicate credit decisions and findings to stakeholders in a clear and professional manner.
Support the preparation of periodic credit risk reports for senior management and regulatory bodies.

Job Requirements

Bachelor’s degree in Finance, Accounting, Economics, or a related field; advanced degree or professional certification (e.g., CFA, CPA) is a plus.
Proven experience as a Credit Analyst or in a similar role within the financial services industry.
Strong analytical skills with the ability to interpret complex financial data and identify key risk factors.
Proficiency in financial modeling, credit scoring, and risk assessment tools.
Excellent written and verbal communication skills, with the ability to present findings and recommendations effectively.
Detail-oriented with strong organizational and time management skills.
Knowledge of relevant regulatory requirements and industry best practices in credit risk management.
Proficiency in Microsoft Office Suite, particularly Excel, and familiarity with financial analysis software.

Job Benefits

Competitive salary and performance-based bonuses.
Comprehensive health, dental, and vision insurance plans.
Retirement savings plan with company matching contributions.
Opportunities for professional development and career advancement.
Generous paid time off, including vacation, sick leave, and holidays.
Flexible work arrangements to support work-life balance.
Access to wellness programs and employee assistance resources.
Collaborative and inclusive work environment with a focus on employee growth and satisfaction.

Credit Analyst

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