Credit analyst

We are looking for a professional Credit Analyst to determine our customers’ creditworthiness. A credit analyst, also known as a credit risk analyst, determines the creditworthiness and risk profile of an individual or business by analyzing their financial data and deciding whether or not to extend them credit.

Tasks, Duties, & General Responsibilities:

• Assessing and maintaining credit limits and assigning credit risk categories for new and existing customers within the company Credit Policy guidelines
• Delivering of financial recommendations to the business based on financial matrixes.
• Supporting credit analysis team lead, global AR lead and all member of Treasury organization with daily management tasks related to credit analysis.
• Writing detailed reports - Create reports using charts, graphs and other visual aids to help make credit decision.
• Recording anticipated economic environment changes.
• Examine financial transactions and credit history case by case (applications, statements, balance sheets, legal documents etc).
• Complete ratio, trend and cash flows analyses and create projections.
• Determine in depth the degree of risk involved.
• Adhere to credit policy and guidelines.

Qualifications

• 5-7 years' proven working experience as a credit analyst.
• Proven working experience as a credit analyst.
• Ability to analyze cash flows, leverage, collateral and customer strength.
• Requires careful attention to detail.
• Strong problem solving, time management, and critical thinking skills.
• Ability to work independently and meet tight deadlines.
• Strong communication and presentation skills.
• Sound judgement.