Credit Analyst

Job Description

The Credit Analyst evaluates the creditworthiness of individuals and businesses applying for loans and credit facilities. The role involves analyzing financial statements, assessing risk factors, and preparing credit recommendations. The analyst supports lending decisions while ensuring compliance with bank policies and regulatory requirements. Strong analytical and financial assessment skills are essential for success.

Key Responsibilities
Analyze customer financial statements and credit reports.
Assess loan applications and credit requests.
Conduct risk assessments for new and existing clients.
Prepare detailed credit evaluation reports.
Recommend approval, rejection, or modification of credit facilities.
Monitor existing credit portfolios and identify risk exposures.
Ensure compliance with credit policies and regulatory standards.
Collaborate with relationship managers and lending teams.
Maintain accurate credit documentation and records.
Support periodic portfolio reviews and audits.