Credit Risk Analyst

4 weeks ago


Houston, Texas, United States Lonestar Equipment Solutions Full time
Job Summary

As a Credit Analyst at Lonestar Electrical Supply, you will play a crucial role in reviewing the creditworthiness of individuals and businesses to determine the risk involved in lending money or extending credit.

Key Responsibilities:

  • Analyze credit data and financial statements to identify the degree of risk involved in lending money or extending credit.
  • Verify employment and income for individuals, inspect reports from credit reporting agencies, and review FICO scores.
  • Compare businesses to similar ones in terms of liquidity, profitability, and credit histories.
  • Use computer software to evaluate customers' financial status and produce financial ratios.
  • Compile information, complete loan applications, and compose reports detailing the degree of risk involved in loan or credit request.
  • Recommend approval or denial based on results.
  • Determine the expected profitability of loans by analyzing a business's financial data.
  • Resolve customer complaints and verify transactions.
  • Identify delinquent accounts through the review of individual or commercial customer files.

Requirements:

  • Excellent verbal and written communication skills.
  • Proficient in Microsoft Office Suite or related software, as well as analysis software.
  • Basic understanding of relevant equipment, policies, procedures, and strategies used in credit analysis.
  • Ability to identify discrepancies and problems.
  • Bachelor's degree in Accounting, Economics, Finance, Statistics, or Mathematics preferred.

Benefits:

  • Medical, dental, life, and vision insurance.
  • 401(k) Retirement Plan and Match.
  • Paid Time Off.
  • Specified Paid Holidays.

Disclaimer:

This job description is a general outline of the day-to-day duties to be expected and may not cover all job responsibilities that may be assigned by management.


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