Credit Analyst

A Credit Analyst is typically responsible for assessing the creditworthiness of loan applicants and making recommendations to credit teams for loan approvals

Typical Responsibilities:

• Analysing financial data and market trends to assess the creditworthiness of loan applicants
• Preparing detailed credit risk assessments and making recommendations to internal credit teams for loan approvals
• Conducting financial statement analysis, cash flow analysis, and other relevant financial analysis techniques to determine creditworthiness
• Reviewing loan applications, credit reports, and other financial documents to identify potential risks and opportunities
• Communicating with loan applicants, bank staff, and external parties to gather additional information and clarify details as required
• Maintaining accurate records of credit analysis activities and decisions
• Staying up-to-date with changes to lending legislation, market trends, and lender policies
• Identifying opportunities to improve credit risk management processes and procedures
  
  

Typical requirements:

• Bachelor’s degree in business, finance, accounting, or related field
• Proven experience as a Credit Analyst; ideally with a DLA or DCA
• Strong knowledge of credit risk management and lending policies and regulations
• Excellent analytical and problem-solving skills
• Ability to work independently and as part of a team
• Strong attention to detail and accuracy
• Good organisational and time-management skills
• Ability to manage multiple tasks simultaneously