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.
A Credit Analyst کو مختلف فرائض اور ذمہ داریاں نبھانے کے قابل ہونا چاہیے۔ ذیل میں کچھ فرائض اور ذمہ داریاں ہیں جو ایک Credit Analyst کو انجام دینے کے قابل ہونا چاہئے:
- 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.
ایک مسابقتی Credit Analyst کے پاس کچھ مہارتیں اور قابلیتیں ہوں گی، بشمول:
- 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
