Credit Analyst

Job Description

The Credit Analyst evaluates the creditworthiness of individuals and businesses applying for loans and financial products. The role involves analyzing financial statements, assessing risk factors, and preparing credit recommendations. The analyst supports lending decisions while ensuring compliance with regulatory requirements and internal credit policies. Strong analytical skills and attention to detail are essential for success in this position.

Key Responsibilities
Analyze financial statements and credit reports.
Assess borrower risk and repayment capacity.
Prepare detailed credit assessment reports.
Recommend loan approvals, modifications, or rejections.
Monitor existing loan portfolios and credit exposure.
Ensure compliance with credit policies and regulations.
Collaborate with relationship managers and lending teams.
Conduct industry and market risk analysis.
Identify early warning signs of potential defaults.
Maintain accurate credit documentation and records.