Credit Analyst

About the role

The Credit Analyst shapes credit risk management strategy by assessing credit data and financial statements and contributing to lending decisions aligned with the organization's risk tolerance and objectives. The role reports to the Sr. Credit Manager and/or Chief Credit Officer.

The position is hybrid with some in-office requirements.

Responsibilities

• Analyze credit data and financial statements to determine creditworthiness and risk level.
• Generate financial ratios and models to assess customers’ financial status.
• Compare liquidity, profitability, and credit histories across industries and geographic locations.
• Prepare risk assessment reports and present findings to loan committees.
• Complete loan applications, including credit analyses and summaries of loan requests, and submit findings to loan committees for review and approval.
• Consult with customers to verify financial and credit transactions and resolve disputes.
• Contact customers to collect payments on delinquent accounts.
• Evaluate customer records and recommend structured payment plans.
• Collaborate with internal teams and external clients to manage credit portfolios and use data-driven insights to mitigate risks and enhance profitability.

Key facts

• The position is hybrid with some in-office requirements.
• The role reports to the Sr. Credit Manager and/or Chief Credit Officer.
• The analyst evaluates credit risk and supports loan decisions.