Conduct thorough analysis of financial statements, credit reports, and other relevant data to assess the creditworthiness of individuals and businesses.
Evaluate the financial health of borrowers by analyzing their income, debt levels, and liquidity.
Assess the risk associated with extending credit and make recommendations for credit approvals or rejections.
Prepare detailed credit reports and summaries for internal and external stakeholders.
Monitor and manage the credit exposure of existing borrowers by reviewing financial statements and conducting periodic risk assessments.
Stay updated on industry trends, economic indicators, and regulatory changes that may impact credit risk.
Collaborate with other departments, such as sales and underwriting, to gather and analyze necessary information for credit evaluations.
Provide guidance and support to junior credit analysts in their analysis and decision-making processes.
Assist in the development and implementation of credit policies, procedures, and risk assessment models to improve overall credit management.
