Overview: As a Credit Risk Analyst, you will play a crucial role in assessing and managing the credit risks associated with lending activities. Your work will directly impact the organization's financial stability and growth by ensuring that credit risks are accurately evaluated and mitigated.
Key Responsibilities
- Conduct credit risk assessments for new and existing clients
- Analyze financial statements and credit reports to determine creditworthiness
- Develop and implement risk management strategies and policies
- Monitor and report on credit exposure and risk concentrations
- Collaborate with cross-functional teams to assess credit risk implications of new products or business initiatives
- Perform stress testing and scenario analysis to assess potential credit losses
- Recommend risk mitigation measures and credit limits for clients
- Conduct industry and portfolio risk assessments
- Prepare detailed credit risk reports and presentations for senior management
- Stay updated on industry best practices and regulatory requirements related to credit risk management
Required Qualifications
- Bachelor's degree in Finance, Economics, Business, or related field
- 2+ years of experience in credit risk analysis or related field
- Strong understanding of financial and accounting principles
- Proficiency in statistical analysis and financial modeling
- Ability to interpret and communicate complex financial information effectively
- Experience with credit risk assessment tools and methodologies
- Knowledge of regulatory requirements related to credit risk management
- Excellent attention to detail and problem-solving skills
- Strong communication and collaboration abilities
- Ability to work independently and make sound decisions under pressure
Skills: risk management,financial modeling,data analysis,credit analysis,credit risk
