Analyzing credit data and financial information of borrowers and identifying the risk to the company which will inform granting of loan,terms,rate.
Minimum Qualification: Degree
Experience Level: Mid level
Experience Length: 5 years
Conduct thorough analysis of financial statements and assessment of credit data/requests, including new requests, changed requests, refinancing and conduct due diligence to determine the degree of risk involved in lending money to them.
Preparing reports about the degree of risk in lending money to clients.
Develop and prepare spreadsheets and models to support analysis of new and existing credit applications
Analyzing client records and using the data to recommend payment plans.
Conferring with credit associations and references to exchange credit information on clients
Submitting credit analysis and loan request summaries, to loan committees for their approval
Helping sale and marketing departments in managing and reducing the risk.
Conferring with clients to verify their financial/credit transactions.