Credit Analyst

Knowledge of finance and accounting practices, financial analysis, and reporting; ability to apply finance knowledge appropriately to diverse situations.
Knowledge of customer service concepts and techniques; ability to meet or exceed customer needs and expectations and provide excellent service in a direct or indirect manner.
Understanding the necessity and value of accuracy; ability to complete tasks with high levels of precision.
Knowledge of techniques and tools that promote effective analysis; ability to determine the root cause of organizational problems and create alternative solutions that resolve these problems.
Understanding of effective communication concepts, tools and techniques; ability to effectively transmit, receive, and accurately interpret ideas, information, and needs through the application of appropriate communication behaviors.
Knowledge of credit analysis and verification; ability to utilize tools and techniques to determine the credit-worthiness of an applicant.
Knowledge of financial statement and balance sheet; ability to analyze financial statement data and determine the credit-worthiness of a business enterprise.
Knowledge of the skills, methods and technologies used to process new loan applications; ability to perform loan origination activities while adhering to established policies and procedures.

Reviews the credit history, profitability and liquidity of clients to assess the risk level involved in credit extension or money lending.
Consults with customers to verify financial and credit transactions; responds to customer inquiries and resolves customer complaints.
Communicates with credit associations and other relevant authorities about the credit history of customers.
Analyzes financial data to determine customers’ risk profile for commercial loans; recommends approval or denial of loan applications.

No preferred qualifications provided.