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Credit Analyst

3 months ago

Faribault, United States First Point Group Full time

As a Credit Analyst, you will be responsible for managing the credit limit database and analyzing client information to support credit decisions. Your role will involve evaluating financial statements, assessing credit requests, and making recommendations based on your findings. You will also be responsible for maintaining accurate credit files and staying updated with lending protocols.


Key Responsibilities:

  • Financial Analysis & Credit Assessment: Conduct comprehensive evaluations of financial statements and credit requests, including new, modified, or refinancing requests, and perform annual due diligence.
  • Risk Evaluation & Recommendations: Analyze credit risk and provide recommendations based on your findings. Present your analysis and recommendations to management, highlighting a borrower’s repayment capability.
  • Lending Protocols: Stay current with the company’s lending guidelines and ensure compliance.
  • File Reconciliation: Reconcile credit files, identify and resolve discrepancies and variances.
  • Data Analysis & Modeling: Develop and maintain spreadsheets and models to support the analysis of new and existing credit applications.


Qualifications:

  • Education: Bachelor’s degree in Finance, Accounting, or a related business field.
  • Experience: 2 to 5 years of experience in quantitative analysis or a related field.
  • Technical Skills: Strong proficiency in MS Office and general computer use.
  • Analytical Skills: Exceptional ability to analyze financial statements, ratios, and concepts, with a keen eye for detail and discrepancies.
  • Time Management: Proven ability to manage competing deadlines and work effectively in a high-pressure environment, with varying levels of supervision.


Additional Information:

To succeed in this role, you must be able to perform each essential duty effectively. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.