Senior Financial Analyst
3 weeks ago
We are seeking a skilled Credit Analyst to join our team at IIQAFGROUP. As a key member of our credit team, you will be responsible for analyzing financial data to assess the creditworthiness of our customers.
Key Responsibilities- Analyze financial statements, credit reports, and other data to evaluate creditworthiness.
- Assess the likelihood of a borrower honoring their financial obligations.
- Examine financial transactions and credit history on a case-by-case basis.
- Complete ratio, trend, and cash flow analyses and create projections.
- Deliver a multidimensional perspective on the investment outlook in an accessible and informative manner.
- Determine the degree of risk involved in lending.
- Carefully analyze data and produce clear and objective reports.
- Routinely monitor loans for compliance.
- Adhere to credit policy and guidelines.
- Monitor corporate portfolio asset quality on an ongoing basis.
- Proven working experience as a credit analyst.
- Proficiency in statistical packages and financial software.
- Up-to-date knowledge of legal, compliance, and market risk-related issues.
- Ability to analyze cash flows, leverage, collateral, and customer strength.
- Strong communication and presentation skills.
- Sound judgment.
- BS degree in Business, Statistics, or a related field.
- Time management: managing multiple applications and analyses to meet deadlines efficiently.
- Risk assessment: evaluating and quantifying credit risk and understanding its implications for lending.
- Technical proficiency: familiarity with credit analysis software and tools, as well as Excel for data analysis.
- Regulatory knowledge: understanding relevant laws and regulations in the credit and lending industry.
- Analytical skills: ability to assess financial statements, credit reports, and other data to evaluate creditworthiness.
- Attention to detail: ensuring accuracy in financial analysis and documentation.
- Financial acumen: strong understanding of financial principles, credit risk assessment, and lending practices.
- Research skills: proficient in gathering and interpreting data from various sources to make informed decisions.
- Communication skills: clearly presenting findings and recommendations to stakeholders, including lenders and management.
- Problem-solving: identifying potential issues in credit applications and proposing solutions.
- Time management: managing multiple applications and analyses to meet deadlines efficiently.
- Risk assessment: evaluating and quantifying credit risk and understanding its implications for lending.
- Technical proficiency: familiarity with credit analysis software and tools, as well as Excel for data analysis.
- Regulatory knowledge: understanding relevant laws and regulations in the credit and lending industry.
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