Credit Analyst

Key Responsibilities:

1. Financial Analysis:
• Evaluate financial statements, credit history, tax returns, and other financial information to assess the financial health and creditworthiness of business loan applicants.
• Perform ratio analysis, cash flow analysis, and trend analysis to identify potential risks and opportunities associated with loan applications.
2. Credit Risk Assessment:
• Assess the overall credit risk of applicants based on financial health, industry trends, market conditions, and other relevant factors.
• Make recommendations regarding credit limits, terms, and conditions for loan approvals, ensuring alignment with company policies and regulatory requirements.
3. Loan Structuring:
• Structure loan proposals that meet the needs of borrowers while mitigating credit risk for the company.
• Collaborate with Relationship Managers and other stakeholders to develop tailored financing solutions that support business growth and profitability.
4. Documentation and Compliance:
• Ensure all loan applications and credit proposals are accurately documented and comply with internal policies and regulatory guidelines.
• Conduct regular reviews and updates of credit files to maintain accurate and up-to-date information.
5. Communication and Decision Making:
• Present credit proposals and recommendations to senior management and credit committees for approval.
• Communicate effectively with internal teams, customers, and external partners to gather information and resolve issues related to credit applications.