Credit Analyst at Michael Stevens Consulting

Job Brief

• 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.

Responsibilities

• Assess credit worthiness 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

• Proven working experience as a credit analyst
• 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 Economics, Banking and Finance or related field
• Minimum 1 year experience in Financial Institution.