Credit Analyst

• Assessing credit worthiness of existing or prospective clients.
• Examining financial transactions and credit history case by case.
• Completing ratio, trend and cash flows analyses and creating projections
• Deliver a multidimensional perspective on the investment outlook in an accessible and informative manner.
• Determine in depth the degree of risk involved
• Carefully analyze data and produce clear and objective reports .
• Routinely monitor loans for compliance.
• Adhere to credit policy and guidelines.
• Monitor corporate portfolio asset quality on an ongoing basis.
• Draft models of credit information that predict trends and patterns
• Review loan requests.
• Helps customers by answering questions; responding to requests.
• Assess clients' financial status
• Utilize professional judgment to determine which potential borrowers represent good risk opportunities for the organization.
• Evaluate creditworthiness and risks.
• Contact clients to gather financial data and documentation.
• Analyze risks and approve or reject loan requests.
• Calculate financial ratios (e.g. credit scores and interest rates).
• Set up payment plans.
• Maintain updated records of loan applications.
• Maintains customer confidence by keeping loan information confidential.
• Follow up with clients about loan renewals.
• Monitor progress of existing loans.
• Prepare reports as may be required.