A Credit Analyst, or Commercial Credit Analyst, is responsible for evaluating the financial health of a loan applicant to determine whether to approve their application. Their duties include working with Junior Credit Analysts to investigate a loan applicant’s finances, helping business owners determine the financial risks associated with a potential client and adhering to lending protocols to confirm or deny applicants their loan.
Credit Analyst ควรจะสามารถปฏิบัติหน้าที่และความรับผิดชอบต่างๆ ได้ ต่อไปนี้คือหน้าที่และความรับผิดชอบบางส่วนที่ Credit Analyst ควรจะสามารถดำเนินการได้:
- Enter, update and retrieve information for credit applications.
- Determine the creditworthiness of applicants.
- Designate the degree of risk involved in extending credit by performing a cash flow analysis of each business.
- Ensure that all approved applications comply with bank criteria.
- Review deals involving junior Credit Analysts and assist them as needed.
- Assist with bank and client audits.
Credit Analyst ที่มีความสามารถในการแข่งขันจะมีทักษะและคุณสมบัติบางประการ รวมถึง:
- Research skills
- Strong problem-solving, mathematical and analytical skills
- Excellent written and verbal communication skills
- Ability to maintain confidentiality
- Proficiency with computers and computer software, like programs that aid in statistical and financial calculations
- Proficiency with financial reports and statements
