Job responsibilities: - Analyze financial statements, credit reports, and other relevant data to assess the creditworthiness of individuals and businesses. - Prepare detailed credit analysis reports and provide recommendations for credit approvals, renewals, or denials. - Monitor and evaluate existing credit accounts to identify potential risks and ensure compliance with company policies and regulations. - Collaborate with internal teams, including sales and underwriting, to structure credit solutions that align with client needs and company objectives. - Stay updated on industry trends, economic conditions, and regulatory changes that may impact credit risk assessments. - Assist in the development and implementation of credit policies and procedures to enhance risk management practices. - Communicate credit decisions and findings to stakeholders in a clear and professional manner. - Support the preparation of periodic credit risk reports for senior management and regulatory bodies. Job requirements: - Bachelor’s degree in Finance, Accounting, Economics, or a related field; advanced degree or professional certification (e.g., CFA, CPA) is a plus. - Proven experience as a Credit Analyst or in a similar role within the financial services industry. - Strong analytical skills with the ability to interpret complex financial data and identify key risk factors. - Proficiency in financial modeling, credit scoring, and risk assessment tools. - Excellent written and verbal communication skills, with the ability to present findings and recommendations effectively. - Detail-oriented with strong organizational and time management skills. - Knowledge of relevant regulatory requirements and industry best practices in credit risk management. - Proficiency in Microsoft Office Suite, particularly Excel, and familiarity with financial analysis software. Job benefits: - Competitive salary and performance-based bonuses. - Comprehensive health, dental, and vision insurance plans. - Retirement savings plan with company matching contributions. - Opportunities for professional development and career advancement. - Generous paid time off, including vacation, sick leave, and holidays. - Flexible work arrangements to support work-life balance. - Access to wellness programs and employee assistance resources. - Collaborative and inclusive work environment with a focus on employee growth and satisfaction.