Analyst - Credit
Job Description
The Credit Analyst is responsible for assessing the financial creditworthiness of corporate clients, reviewing credit applications, and recommending credit limits. The role minimizes default risk while supporting commercial lending activities.
Required Qualifications
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Bachelor’s degree in Accounting, Finance, or Economics.
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3–5 years of professional experience operating as a Credit Analyst in banking or commercial finance.
Preferred Skills
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Financial statement analysis, cash flow modeling, risk scoring, and underwriting knowledge.
Responsibilities Duties:
Key Responsibilities
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Coordinate and execute detailed financial statement evaluations, ratio analyses, and credit reviews.
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Prepare structured credit memos, risk scorecards, and borrowing limit recommendations.
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Review financial data, bank statements, and business models to assess repayment capacity.
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Coordinate with corporate credit committees, relationship managers, and risk leads.
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Monitor existing borrower accounts for signs of distress or delayed payments.
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Maintain strict adherence to corporate credit policies and underwriting guidelines.