Job Description:
We are looking for a professional Credit Analyst to determine our customers' creditworthiness. You will analyze financial data to assess the likelihood of a borrower honouring their financial obligations. Small Business Lending is a very dynamic space. We serve borrowing needs of businesses of various sizes from relatively small businesses owned by sole proprietors, to large corporations. This requires varying levels of sophistication in underwriting to ensure effective risk management with reasonable costs in proportion to loan size.
Responsibilities
* Assess creditworthiness 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 flows 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 and skills
* Proven working experience as a credit analyst with 3-5 years of experience
* 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
* BS degree in Business, Statistics or related field
All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations.
GPAC (Growing People and Companies) is an award-winning search firm specializing in placing quality professionals within multiple industries across the United States since 1990. We are extremely competitive, client-focused and realize that our value is in our ability to deliver the right solutions at the right time.
