Senior Credit Analyst
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JobgetherCorporate credit
Based in the United StatesFull-TimeSenior
SalaryAnnual salary range: $90,000–$115,000 USD.
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Job Details
- Experience
- 5–7 years of relevant experience in banking, insurance, or other financial institutions.
- Required Skills
- Microsoft Excel
Requirements
- Bachelor's degree in Business Administration, Finance, or a related field; an MBA is preferred.
- 5–7 years of relevant experience in banking, insurance, or other financial institutions.
- Fundamental credit training, including financial statement analysis, is preferred.
- Demonstrated experience analyzing financial statements of both public and private companies.
- Experience using credit rating platforms and financial research tools for company research, financial data retrieval, and credit analysis.
- Ability to produce well-structured qualitative and quantitative written analyses.
- Strong analytical, critical-thinking, and problem-solving skills to evaluate financial risks and reach sound conclusions.
- Strong written and verbal communication skills, including the ability to explain complex financial information and present credit recommendations.
- Proficiency in Microsoft Excel for financial analysis, data interpretation, and reporting.
- Familiarity with generative AI tools for research, extracting insights, and productivity.
Responsibilities
- Manage a portfolio of diverse corporate clients, including public and private companies and investment-grade and non-investment-grade credits.
- Perform financial statement analysis, assess creditworthiness, assign company credit ratings, and recommend underwriting strategies.
- Collect, review, and interpret financial statements, tax returns, due diligence reports, credit bureau data, appraisals, internal records, industry research, and peer comparisons.
- Prepare and present credit recommendations for large exposures and strategically important accounts to senior credit management and credit committees.
- Build and maintain relationships with treasury and finance teams to obtain financial information and discuss business performance, forecasts, and financial outlooks.
- Develop industry sector outlooks and analyze market trends, competitive dynamics, and factors affecting corporate credit risk.
- Produce qualitative and quantitative credit analyses to inform risk decisions and portfolio management.
- Use financial research platforms, data analysis tools, and AI-powered resources to support research, analysis, and reporting.
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