Credit Analyst Job Description

Job summary 1

We are hiring for a Credit Analyst. This position completes merchant application reviews determining if they are an acceptable risk according to the Credit Policy; oversees and maintains departmental spreadsheets in Excel and generates reports from the data collected; calls/faxes bank and trade references verifying credit applications and bank references and applies that information in determine a judgment on applications according to Credit Policy, and informs applicable departments and customers of the application review results and articulates the factors behind the final determination.

Duties & Responsibilities 1

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Requirements & Skills 1

Job summary 2

The Credit Analyst will work closely with the Credit Risk team to accurately set up and maintain client and facility data in the credit-risk infrastructure. This data is consumed by various consumers to support internal and external reporting obligations, capital allocations, and customer profitability. Reporting to a Credit Admin Operations Manager, the Credit Analyst provides operations support for a team of credit underwriters for an assigned portfolio of credit relationships.

Duties & Responsibilities 2

Requirements & Skills 2

Job summary 3

The Credit Analyst will be responsible for managing all credit and collections processes for an assigned portfolio. They will also be responsible for identifying any improvements necessary and assist in the training of new employees.

Duties & Responsibilities 3

Requirements & Skills 3

Job summary 4

The Credit Analyst will work directly with the deal team in analyzing, underwriting and monitoring all credit facilities within their portfolio. As a Credit Analyst, the individual will learn the basics of deal making and loan structures while being exposed to other departments within the Bank. The Credit Analyst is an excellent first position in banking that paves the way to numerous other opportunities including sales, credit, relationship management, loan review or other similar positions. The Credit Analyst performs an in depth analysis on the borrower's ability to repay focusing on the company and owner's background, recent and historical financial performance, guarantor's (if applicable) financial condition, collateral performance, risk rating, risk-adjusted return on capital, and several other factors.

Duties & Responsibilities 4

Requirements & Skills 4

Job summary 5

We are looking to add a Credit Analyst to our team to assist with due diligence, review contract terms, and closely monitor credit exposure and investigate and report limit breaches. The ideal individual will possess at least 2 years of Financial Analysis experience. The ideal candidate will also be fluent in English and have a Degree in Finance or Accounting.

Duties & Responsibilities 5

Requirements & Skills 5

Job summary 6

The Credit Analyst will have the opportunity to learn and expand professional skills in financial analysis, lending, cash management, client relationship management, loan portfolio monitoring and risk management. This is an excellent next-step opportunity for a motivated individual looking for growth and increased responsibility in a rapidly growing and entrepreneurial financial organization.

Duties & Responsibilities 6

Requirements & Skills 6

Job summary 7

The primary role of the Credit Analyst is to support the credit administration function by preparing financial spreads from business financial statements, business tax returns, individual tax returns and personal financial statements on new, existing and renewal commercial loan requests.

Duties & Responsibilities 7

Requirements & Skills 7

Job summary 8

Evaluate and determine the credit risks through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service.

Duties & Responsibilities 8

Requirements & Skills 8

Job summary 9

The Credit Analyst is responsible for performing all duties related to resolving payment refund requests and credit balances.

Duties & Responsibilities 9

Requirements & Skills 9

Job summary 10

We are seeking a Credit Analyst to join our team.

Duties & Responsibilities 10

Requirements & Skills 10

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