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Title
Text copied to clipboard!Commercial Credit Analyst
Description
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We are looking for a Commercial Credit Analyst to join our dynamic finance team. In this role, you will be responsible for evaluating the creditworthiness of commercial clients and making recommendations regarding loan approvals, renewals, and modifications. You will analyze financial statements, assess risk factors, and ensure compliance with internal policies and regulatory requirements. The ideal candidate will possess strong analytical skills, attention to detail, and a solid understanding of financial principles and lending practices. As a Commercial Credit Analyst, you will work closely with relationship managers, underwriters, and senior management to support sound lending decisions and contribute to the overall success of the organization. Your daily tasks will include reviewing financial documents, preparing credit reports, monitoring existing loan portfolios, and communicating findings to relevant stakeholders. You will also stay updated on industry trends, economic conditions, and regulatory changes that may impact credit risk. This position offers opportunities for professional growth and development within the finance and banking sector. If you are a motivated individual with a passion for financial analysis and risk assessment, we encourage you to apply and become a valuable member of our team.
Responsibilities
Text copied to clipboard!- Analyze financial statements and credit data of commercial clients
- Assess credit risk and recommend loan approvals or denials
- Prepare detailed credit reports and presentations
- Monitor existing loan portfolios for potential risks
- Ensure compliance with internal policies and regulatory standards
- Collaborate with relationship managers and underwriters
- Stay informed about industry trends and economic conditions
- Communicate credit decisions to relevant stakeholders
- Assist in developing credit risk models and assessment tools
- Participate in credit committee meetings
Requirements
Text copied to clipboard!- Bachelor’s degree in Finance, Accounting, Economics, or related field
- Proven experience as a credit analyst or similar role
- Strong analytical and quantitative skills
- Excellent attention to detail and accuracy
- Proficiency in financial analysis and modeling
- Familiarity with banking regulations and lending practices
- Effective communication and presentation skills
- Ability to work independently and as part of a team
- Strong organizational and time management abilities
- Advanced proficiency in Microsoft Excel and financial software
Potential interview questions
Text copied to clipboard!- What experience do you have analyzing commercial credit?
- How do you assess the creditworthiness of a new client?
- Describe a time you identified a significant credit risk.
- What financial ratios do you consider most important in credit analysis?
- How do you stay updated on industry and regulatory changes?
- Can you describe your experience with financial modeling?
- How do you handle tight deadlines and multiple priorities?
- What steps do you take to ensure accuracy in your analysis?
- Describe your experience working with cross-functional teams.
- Why are you interested in this Commercial Credit Analyst position?
