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Credit Analyst Job Description

joseph cole

Updated on February 1, 2023

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This Credit Analyst job description template can be posted to online job forums and career pages for the recruitment of candidates. The Credit Analyst job description, its requirements, and responsibilities, given in this template can be modified according to the specific need of your company.

Key Responsibilities

  • Complete cash flows, ratio and trend analyses, and also create projections
  • Examine credit history and financial transactions of every case (e.g. applications, legal documents, balance sheets, statements, etc.)
  • Assess the creditworthiness of existing as well as prospective clients

Job Statement

We are hiring a qualified Credit Analyst for determining the creditworthiness of our customers. 

What does a Credit Analyst do?

You will be responsible for analyzing financial data for assessing the financial standing of a borrower. In order to succeed in this role, you must have a solid background in Finance and a sound knowledge of all debt regulations.

Job Requirements

  • At least a Bachelor’s degree in Accounting, Finance, Economics or a related field
  • Professional certification (e.g. CPA or CFA)
  • Prior experience as a Credit Analyst
  • Experience working with financial software and statistical packages
  • Experience working with MS Office, especially MS Excel
  • Sound knowledge of market risk, legal and compliance-related issues
  • Ability to analyze customer strength, cash flows, collateral and leverage
  • Strong communication skills and a keen eye for details
  • Ability to take sound and quick decisions
  • An analytical mind with a problem-solving attitude

Job Responsibilities

  • Completing cash flows, ratio, and trend analyses, and also creating projections
  • Examining credit history and financial transactions of every case (e.g. applications, legal documents, balance sheets, statements, etc.)
  • Assessing the creditworthiness of existing as well as prospective clients
  • Adhering to credit policies and guidelines
  • Regularly monitoring corporate portfolio asset quality
  • Drafting credit information models for the purpose of predicting patterns and trends
  • Delivering a multidimensional perspective on the investment outlook in an informative and accessible manner
  • Determining the degree of involved risk
  • Carefully analyzing data and producing clear and objective reports
  • Routinely monitoring loans so as to check their compliance with standards

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