Credit Analyst

Job Description

The Credit Analyst evaluates the creditworthiness of individuals and businesses applying for loans or credit facilities. The role involves analyzing financial statements, assessing risks, and preparing credit recommendations for approval. The analyst ensures lending decisions align with the bank’s credit policies and regulatory guidelines. Strong analytical skills and attention to detail are essential for maintaining a high-quality loan portfolio.

Key Responsibilities
Analyze financial statements and credit reports of loan applicants.
Assess borrower repayment capacity and financial stability.
Prepare detailed credit evaluation reports and recommendations.
Identify potential lending risks and propose mitigation strategies.
Monitor existing loan portfolios for credit quality.
Ensure compliance with internal credit policies and banking regulations.
Coordinate with relationship managers during loan processing.
Maintain accurate credit documentation and reporting records.