Credit Analyst

Job Description

The Credit Analyst evaluates loan applications by analyzing financial statements, credit history, business performance, and risk factors. The role supports informed lending decisions while minimizing financial risk and ensuring compliance with credit policies. Credit Analysts work closely with relationship managers and credit approval teams.

Key Responsibilities
Analyze financial statements and cash flow reports.
Evaluate customer creditworthiness.
Prepare detailed credit assessment reports.
Review loan applications for policy compliance.
Recommend loan approvals or rejections.
Monitor existing loan portfolios for risk indicators.
Perform industry and market risk analysis.
Ensure documentation is complete and accurate.
Collaborate with business and risk management teams.
Support continuous improvement of credit assessment processes.