Credit Analyst

Job Summary:

The Credit Analyst is responsible for evaluating the creditworthiness of businesses by analyzing financial data, market trends, and risk factors. This role plays a key part in helping the organization make informed lending decisions while minimizing financial risk.

Key Responsibilities:

- Risk Assessment: Evaluating the creditworthiness of potential borrowers by analyzing financial statements, credit reports, and market conditions.

- Examine financial transactions and credit history case by case (applications, statements, balance sheets, legal documents etc.)

- Portfolio Management: Monitoring and managing the bank’s credit portfolio to identify and mitigate potential risks.

- Reporting: Help in Preparing detailed risk reports for senior management and regulatory bodies, highlighting key risk exposures and trends.

- Stress Testing: Conducting stress tests and scenario analyses to assess the impact of adverse economic conditions on the bank’s credit portfolio.

- Collaboration: Working closely with other departments, such as underwriting, finance, and compliance, to ensure a cohesive approach to risk management.

- Regulatory Compliance: Ensuring that all credit risk management practices adhere to relevant laws, regulations, and industry standards.

Qualifications:

- BS degree in Finance, Statistics or related field.

- Further certification may be required.

- 2-5 years’ experience Max.

- Credit Course is a must.

- Proven working experience as a credit analyst.

- 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.

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

KPIs:

- Default Rate < 3 %

- Ability to process file within 5 working Days from receiving all doc & credit meeting.