Credit Risk Analyst

Job Description

The Credit Risk Analyst evaluates loan applications and assesses the financial health of individuals and businesses seeking credit facilities. The role involves analyzing financial statements, identifying credit risks, and recommending suitable lending decisions. The analyst helps minimize financial losses while supporting responsible lending practices. Strong analytical skills and knowledge of banking regulations are essential for success in this role.

Key Responsibilities
Analyze customer financial statements and credit reports.
Evaluate loan applications and determine creditworthiness.
Assess financial risks associated with lending decisions.
Prepare detailed credit assessment reports.
Recommend loan approvals or rejections based on analysis.
Monitor existing loan portfolios for potential risks.
Ensure compliance with regulatory and internal credit policies.
Collaborate with relationship managers and credit committees.