Job Description

Angott Search Group is pleased to partner with an Indiana bank in their search for a Commercial Credit Analyst. The Credit Analyst will review the creditworthiness of individuals or businesses to determine the risk involved in lending money or extending credit.

What You'll Do

• Analyzes credit data and financial statements of individuals or businesses to identify the degree of risk involved in lending money or extending credit.
  
• For individuals, performs research to verify employment and income, inspects reports from credit reporting agencies, and reviews FICO scores.
  
• For businesses, compares to similar businesses in terms of liquidity, profitability, and credit histories.
  
• Uses computer software to further evaluate customers’ financial status and produce financial ratios.
  
• Compiles information, completes loan applications, and composes reports detailing the degree of risk involved in loan or credit request; recommends approval or denial based on results.
  
• Sets interest rate and minimum or maximum term of repayment for customers based on earnings, savings data, payment history, and purchase activity.
  
• Determines the expected profitability of loans by analyzing a business’s financial data including quality of management, income growth, and market shares.
  
• Resolves customer complaints and verifies transactions through consultation.
  
• Identifies delinquent accounts through the review of individual or commercial customer files.
  

What You'll Bring

• Excellent verbal and written communication skills.
  
• Proficient in Microsoft Office Suite or related software, as well as analysis software.
  
• Basic understanding of relevant equipment, policies, procedures, and strategies used in credit analysis.
  
• Ability to identify discrepancies and problems.
  
• Bachelor’s degree in Accounting, Economics, Finance, Statistics, or Mathematics required.