Credit Analyst
Job Description :
As a Credit Analyst, you will play a critical role in assessing the creditworthiness of individuals, businesses, or financial institutions seeking credit facilities or loans.
Your responsibilities will include analyzing financial data, evaluating credit risk, preparing credit reports, and making recommendations to underwriters or credit committees.
You will need strong analytical skills, attention to detail, and the ability to interpret complex financial information to make informed credit decisions.
Responsibilities :
- Gather and analyze financial information, including financial statements, cash flow projections, credit reports, and other relevant data, to assess the creditworthiness of borrowers.
- Evaluate credit risk factors, such as debt service coverage, leverage ratios, liquidity, and profitability, to determine the borrower'
s ability to repay debt obligations.
- Conduct industry research and assess market conditions to identify risks and opportunities associated with specific borrowers or industries.
- Prepare credit reports summarizing the credit analysis, risk assessment, and recommendation for approval or denial of credit facilities.
- Present credit recommendations to underwriters, credit committees, or senior management, providing rationale and supporting evidence for credit decisions.
- Monitor existing credit exposures, review financial performance, and assess changes in credit risk profiles to ensure compliance with credit policies and procedures.
- Collaborate with relationship managers, loan officers, and other stakeholders to gather additional information and address credit-related inquiries.
- Stay informed about regulatory requirements, industry best practices, and market trends related to credit analysis and risk management.
Requirements :
- Bachelor's degree in finance, accounting, economics, or a related field. Master's degree or CFA designation preferred.
- Previous experience in credit analysis, commercial banking, lending, or financial services roles preferred.
- Strong analytical skills, with the ability to interpret financial statements, analyze cash flow projections, and assess credit risk factors.
- Proficiency in financial modeling, ratio analysis, and credit scoring techniques.
- Excellent communication and presentation skills, with the ability to convey complex financial information clearly and concisely.
- Detail-oriented with strong organizational skills, capable of managing multiple tasks and deadlines in a fast-paced environment.
- Ability to work independently and collaboratively in a team-oriented environment, with a proactive and results-oriented approach.
- Knowledge of credit regulations, compliance requirements, and risk management practices.
Credit Analyst II - Healthcare
The Credit Analyst II is primarily responsible for partnering with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing analytical activities and identifying risks or issues as needed. In addition, a successful Credit Analyst II will be able to draft...
Risk & Payments Analyst II
While we're best known for pioneering free credit scores, our members turn to us for tips as they work on their financial goals, including helping them monitor their credit, identity monitoring, searching for credit cards, shopping for loans (car home and personal), and growing their savings* -- all...
Sr. Quant Fin. Analyst-Wholesale Credit Risk
As a Senior Quantitative Finance Analyst on the team, your main responsibilities will involve:. Development of wholesale credit risk models including loss forecasting, commercial scorecards, behavioral score, regulatory capital models. Executing in-depth analysis of wholesale credit performance and ...
Credit Analyst II - Healthcare
The Credit Analyst II is primarily responsible for partnering with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing analytical activities and identifying risks or issues as needed. In addition, a successful Credit Analyst II will be able to draft...
HRIS Analyst II
While we're best known for pioneering free credit scores, our members turn to us for everything related to their financial goals, including identity monitoring, applying for credit cards, shopping for insurance and loans (car, home and personal) and savings accounts and checking accounts* -- al...
SBA Credit Analyst/ Underwriter/ Remote
Regional Bank has an immediate opportunity for an SBA Credit Analyst. Prepare Credit Memorandum(s) on all new prequalified loan applications relative to financial strengths and weaknesses of applicants and guarantors, risk assessments, collateral assessment, and loan structure with an opinion as to ...
Sr. Quant Fin. Analyst-Wholesale Credit Risk
As a Senior Quantitative Finance Analyst on the team, your main responsibilities will involve:. Development of wholesale credit risk models including loss forecasting, commercial scorecards, behavioral score, regulatory capital models. Executing in-depth analysis of wholesale credit performance and ...
Product Analyst II
While we're best known for pioneering free credit scores, our members turn to us for everything related to their financial goals, including identity monitoring, applying for credit cards, shopping for insurance and loans (car, home and personal) and savings accounts and checking accounts* -- al...
Credit Data and Analytics and Business Controls/Process Optimization - Enterprise Credit Summer Analyst Program 2025
The Enterprise Credit Summer Analyst Program is a ten-week program that provides you broad exposure into our credit underwriting, monitoring, business controls and data management routines. Enterprise Credit Analyst Program - 2025. Enterprise Credit analyst program. Daily activities can include: Rev...
Senior Data Analyst with BI Reporting (Wholesale Credit system
Experience with credit underwriting, credit products, or credit risk processes and/or systems. This Senior Data Analyst role will be a member of the ECATS SWAT team with a focus on driving high priority data solutions across Enterprise Credit systems, processes, and reporting. The analyst will parti...