Credit yst

Responsibilities

• Assess credit worthiness 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 flow 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