Credit Analyst (Sample Job Description)

This Credit Analyst job description template includes key Credit Analyst duties and responsibilities. You can post this template on job boards to attract prospect applicants.

Job Brief:

We are looking for a professional Credit analyst to determine our customers’ creditworthiness. You will analyze financial data to assess the likelihood of a borrower honouring their financial obligations.

Responsibilities:

• Assess creditworthiness of existing or prospective clients
• Examine financial transactions and credit history case by case (applications, statements, balance sheets, legal documents etc)
• Complete ratio, trend and cash flows analyses and create projections
• Deliver a multidimensional perspective on the investment outlook in an accessible and informative manner
• Determine in depth the degree of risk involved
• Carefully analyse 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

Requirements:

• Proven working experience as a credit analyst
• Proficiency in statistical packages and financial software
• Up to date with legal, compliance and market risk related issues
• Ability to analyze cash flows, leverage, collateral and customer strength
• Strong communication and presentation skills
• Sound judgement
• BS degree in Business, Statistics or related field