CREDIT ANALYST Job

Date Posted: 2012-01-26
Ref. JB1718078
 

CREDIT ANALYST
Confidential Company

ESSENTIAL DUTIES & RESPONSIBILITIES:

• Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.

• Prepare reports that include the degree of risk involved in extending credit or lending money.

• Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.

• Confer with credit association and other business representatives to exchange credit information.

• Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan credit controller and CFO for approval.

• Generate financial ratios, using computer programs, to evaluate customers’ financial status.

• Review individual or commercial customer files to identify and select delinquent accounts for collection.

• Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.

• Consult with customers to resolve complaints and verify financial and credit transactions.

• Analyze financial data such as income growth, quality of management, and market to determine expected profitability of loans.

Skills

• 1-3 years experience as a finance professional that is directly related to the duties and responsibilities specified.

• Bank analysis, etc.

• Financial analysis

• Principles, processes, and standards for financial analysis and reporting.

• Receivable accounting, reporting principles, methods, techniques, and standards.

• Business practices and procedures.

• Good interpersonal and communication skills and the ability to work effectively with a wide range of constituencies in a diverse community.

• Ability to compile, analyze, interpret, and present annual financial reports, statements, and/or projections.

• Database management skills.

• Ability to provide technical guidance to department managers in the area of expertise.

• Records maintenance skills.

• Skill in the use of computers, preferably in a PC, Windows-based operating environment. Must be proficient at Excel with good working knowledge of PowerPoint and Word.

• Ability to communicate effectively, both orally and in writing.

• Ability to analyze and interpret financial data and prepare financial reports, statements and/or projections.

• Ability to make evaluative judgments

• Organizational Commitment & Accountability

• Adhering to Principles & Values

• Analyzing & Interpreting

Education

Graduate Degree in Accounting/Finance.