Credit Analyst

• Assess creditworthiness 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 flows 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 and perform risk assessments.
• Carefully analyses 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.

· Ability to handle multiple projects and submit applications on time.

· Understanding of business, economic, and industry risk.

· Financial forecasting.

Requirements

Requirements and skills

. BS degree in Finance, Statistics or related field.

· Further certification may be required.

· 3-4 years’ experience Max.

· 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

· Excellent organizational, analytical, and time-management skills.

Ethical behavior