About This Role
Caring for risk and evaluating creditworthiness across the lending portfolio are the key tasks for this detail-driven Credit Analyst. This role involves analyzing financial documents, identifying potential issues, and supporting informed lending decisions. It suits a candidate who enjoys data, problem-solving, and influencing business outcomes.
Responsibilities
- Review loan and credit applications to assess borrower eligibility and risk
- Analyze credit reports to evaluate payment history, credit utilization, and overall financial health
- Examine bank statements to verify income, cash flow, and financial stability
- Review lease agreements to assess obligations, terms, and their impact on creditworthiness
- Prepare and interpret risk reports to support lending decisions and portfolio monitoring
- Conduct borrower searches to verify identity, background, and financial history
- Evaluate appraisal reports to confirm asset values align with loan terms and risk exposure
- Collaborate with underwriters, loan officers, and management to communicate findings and recommendations
- Maintain accurate, organized documentation in compliance with company policy and regulatory standards
Requirements
- Strong analytical skills with an eye for detail and pattern recognition
- Ability to interpret complex financial documents quickly and accurately
- Solid understanding of credit risk principles (experience preferred, not always required)
- Comfortable working with data, spreadsheets, and reporting tools
- Clear written and verbal communication skills
- A proactive, self-starting mindset with strong organizational habits
- Master
’s degree in finance, Accounting, Business, or related field (or equivalent experience)
Benefits
- Performance-based incentives
- Collaborative, supportive team culture
- Ongoing training and professional development support