Job Description

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.