Credit analysts have a wide range of responsibilities within the company. At the most basic level, they should have a strong background in finance because they will be analyzing historical information and client financial data, including statements and tax reports, to identify trends and lending risks. These analysts also play a role in guiding clients to make financial decisions.
This position isn’t just about crunching numbers. Your credit analyst job description should specify that the ideal candidate needs to have exceptional communication and customer service skills to work closely with clients, making recommendations about loan applications, credit strategies and other financial practices.
Thus, your job posting needs to target well-rounded professionals who are not only skilled in financial analysis but also comfortable with the client side. This sample credit analyst job description offers some ideas about what you should include as you write your own job posting.
Credit Analyst Job Summary
If you enjoy working in a challenging, fast-paced environment and have an aptitude for numbers and economics, the position of credit analyst is right for you. In this position, you’ll have a wide range of duties, including assessing client credit information, financial stability and risk to support lending decisions. This job allows you the opportunity to stay on top of the latest trends in the business world and share your knowledge with diverse team members, including representatives from sales, human resources and marketing. By applying your expertise, you’ll play a vital role in developing lending solutions to help our customers pay their bills and realize their goals.
- Maintain a customer-oriented outlook at all times, provide timely services and make a point of following up with clients to ensure they have the best possible experience with our company
- Interpret relevant documents, including tax returns, credit reports and financial statements
- Work closely with customers to evaluate their financial status, identify lending risks, address concerns and assess credit or other financial transactions
- Assess client portfolios to identify delinquent financial behavior
- Analyze historical data, including credit, liquidity and profitability, within a given industry to understand financial trends and provide points of comparison for existing customer portfolios
- Provide support in the collection of information, such as financial statements, needed for credit assessment
- Compile, prepare and provide reports on financial statements, sensitivity analyses, projections and other relevant documents
- Complete ongoing education as needed to stay up to date on company, state and federal best practices for collections, lending and related services, as well as current economic and business trends
Job Skills & Qualifications
A great job description is important for helping jobseekers understand what you’re looking for and whether they qualify, but it’s a bad idea to simply upload the posting and hope for the best. You want to make sure that your credit analyst job description reaches top professionals in the field.
Internet platforms offer many solutions for dispersing your job posting across the state, nation or world. Your company website is a good place to start, as are social networking sites. Job boards also are useful resources that are visited by thousands of jobseekers every day. However, the sheer diversity of job boards available makes uploading job postings a tedious task. MightyRecruiter is a simple tool to post jobs for free across hundreds of boards at once.
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