The Credit Analyst will assess creditworthiness, analyze financial data, maintain credit limits, and provide financial recommendations while adhering to credit policy.
We are looking for a professional Credit Analyst to determine our customers’ creditworthiness. A credit analyst, also known as a credit risk analyst, determines the creditworthiness and risk profile of an individual or business by analyzing their financial data and deciding whether or not to extend them credit.
Tasks, Duties, & General Responsibilities:
- Assessing and maintaining credit limits and assigning credit risk categories for new and existing customers within the company Credit Policy guidelines
- Delivering of financial recommendations to the business based on financial matrixes.
- Supporting credit analysis team lead, global AR lead and all member of Treasury organization with daily management tasks related to credit analysis.
- Writing detailed reports - Create reports using charts, graphs and other visual aids to help make credit decision.
- Recording anticipated economic environment changes.
- 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.
- Determine in depth the degree of risk involved.
- Adhere to credit policy and guidelines.
Qualifications
- 5-7 years' proven working experience as a credit analyst.
- Proven working experience as a credit analyst.
- Ability to analyze cash flows, leverage, collateral and customer strength.
- Requires careful attention to detail.
- Strong problem solving, time management, and critical thinking skills.
- Ability to work independently and meet tight deadlines.
- Strong communication and presentation skills.
- Sound judgement.
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