Credit Analyst

We are looking for a diligent and detail-oriented Credit Analyst to join our finance team. The Credit Analyst will be responsible for assessing the creditworthiness of individuals, businesses, and organizations to support sound lending and investment decisions. This role involves analyzing financial data, preparing credit reports, and providing recommendations that balance risk with business opportunity. The ideal candidate has strong analytical skills, solid financial knowledge, and the ability to make objective, data-driven decisions.

Key Responsibilities

• Evaluate the financial health of prospective and existing clients by analyzing financial statements, credit reports, and payment histories
• Assess credit risk using quantitative models, ratio analysis, and other financial metrics
• Prepare detailed credit assessments and present recommendations to management or credit committees
• Monitor existing credit accounts for signs of deteriorating performance or potential risk exposure
• Assist in setting appropriate credit limits and terms based on financial analysis and company policies
• Conduct market and industry research to assess external factors that may impact credit risk
• Support the development and implementation of credit risk management strategies and procedures
• Collaborate with sales, finance, and legal teams to ensure alignment on credit policies and customer management
• Maintain accurate and organized credit files and ensure compliance with company and regulatory requirements
• Prepare regular reports and updates on credit portfolio performance
  
  

Qualifications

Education:

• Bachelor’s degree in Finance, Accounting, Economics, or a related field
• Advanced degree or professional certification (e.g., CFA, CPA, CCRA) preferred
  
  

Experience

• 2–5 years of experience in credit analysis, risk management, commercial lending, or financial analysis
• Proven experience analyzing balance sheets, income statements, and cash flow statements
• Familiarity with credit scoring systems, financial modeling, and risk assessment tools
  
  

Skills

• Strong analytical and quantitative abilities with excellent attention to detail
• Proficiency in Excel and financial analysis software; experience with systems such as Moody’s RiskCalc, S&P Capital IQ, or Bloomberg is an asset
• Ability to interpret complex financial data and present findings clearly and concisely
• Excellent written and verbal communication skills
• Strong judgment and decision-making skills in evaluating credit risk
• Ability to work independently and collaboratively in a fast-paced environment
  
  

Preferred Qualifications

• Experience in corporate, commercial, or consumer credit environments
• Knowledge of banking regulations, lending practices, and credit policy frameworks
• Familiarity with financial modeling and statistical analysis tools
  
  

What We Offer

• Competitive salary with performance-based bonuses
• Comprehensive health, dental, and vision benefits
• 401(k) plan with company contribution
• Opportunities for professional development and certification support
• A collaborative work culture focused on growth, integrity, and financial excellence