Credit Analyst (Hybrid)

About the role

The company is seeking a detail‑oriented Credit Analyst to evaluate, monitor, and manage its credit exposure. You will assess the creditworthiness of individuals and businesses, support sound lending decisions, and help maintain a healthy loan portfolio.

Key responsibilities

• Analyze financial statements, cash flow, and credit history to assess borrower risk.
• Prepare credit memos and risk ratings for loan/credit committee review.
• Monitor existing portfolio accounts for covenant compliance and early warning signs.
• Build financial models to project repayment capacity and stress‑test scenarios.
• Research industry trends, market conditions, and competitor positioning.
• Collaborate with relationship managers, underwriters, and legal/compliance teams.
• Ensure analysis complies with internal credit policy and regulatory requirements.
• Recommend credit limits, terms, and pricing based on risk assessment.

Required profile

• First degree in Finance, Accounting, Economics, or a related field.
• 2‑5 years of credit analysis, underwriting, or related financial experience.
• Strong analytical and critical‑thinking abilities.
• Excellent written and verbal communication skills.

Required skills

• Excel
• Financial modeling
• Financial statement analysis
• Credit risk tools/software
• Rating methodologies