Credit Analyst

No detailed description provided.

• Evaluating clients’ credit data and financial statements in order to determine the degree of risk involved in lending money to them • Analyzing client records and using the data to recommend payment plans. • Examining financial transactions and credit history case by case (applications, statements, balance sheets, legal documents…) • Completing ratio, trend and cash flows analyses and create projections that predict trends and patterns. • Delivering a multidimensional perspective on the investment outlook in an accessible and informative manner. • Preparing reports about the degree of risk in lending money to clients • Perform collateral visits for significant loan requests, maintaining discretion while assessing client assets. • Prepare reports based upon their findings to help make decisions on lending and credit-worthiness then present credit files to the Credit Committee, articulating arguments aligned with the 5Cs framework • Engage collaboratively with Branch Managers, Loan Officers, and other relevant staff members to gather necessary information and ensure seamless processing of credit applications. • Regularly participate in Credit Committee meetings, contributing to discussions and submitting PV reports as scheduled. • Prepare notifications in alignment with recommendations from the Credit Committee, maintaining accuracy and clarity in communication. • Ensure meticulous documentation of credit-related activities, adhering to established policies and procedures. • Routinely monitoring loans for compliance. • Adhering to credit policy and guidelines. • Monitoring corporate portfolio asset quality on an ongoing basis