Credit Analyst Duties and Responsibilities:

• Develop a strong understanding of bank and non-bank financial institutions
• Perform financial statement analysis
• Build proficiency in credit analysis
• Maintain industry data through ongoing research
• Ensure compliance with regulatory and company policies and procedures
• Assist with the preparation of rating committee materials and credit reports
• Input data and assist with database management
• Track key economic indicators and various asset performance indices
• Research for industry/asset class commentaries and reports
• Provide senior management with market data upon request

Credit Analyst Requirements and Qualifications:

• Undergraduate degree in business, finance or an analytical field of study
• Masters, CFA or CFA program enrollment are a plus
• Experience with analyzing financial statements
• Demonstrated professional communication skills (both written and verbal)
• Team player with the ability to meet deadlines while maintaining attention to detail and producing high quality work
• Bank and/or non-bank financial institutions analysis experience is preferred
• Bloomberg skills a plus
• Highly motivated, self-starter who is keen to learn, has a positive attitude and a strong work ethic

Responsibilities of Credit Analyst:

• Provide industrial sector analysis focused on identifying investment opportunities within the global credit markets.
• Provide a selection of the best risk adjusted total return global securities.
• Have a comprehensive understanding of the general and strategic drivers of the global bond markets.
• Research select industries, companies, and geographic markets.
• Build, update and maintain financial and valuation models with a focus on free cash flow forecasting.
• Produce notes on relevant investment themes, earnings and breaking news events.
• Synthesize and assess financial industry data.
• Forecast growth, evaluate competitive position within an industry, determine quality of financial statement information, analyse potential downside scenarios.

Knowledge, Skills and Abilities of Credit Analyst:

• Previous experience of working as a Credit Analyst
• Significant experience in financial investment analysis, including experience of looking at both high yield and investment-grade corporate bonds
• Previous experience of covering the Utilities sector would be beneficial
• Strong analytical and quantitative skills and attention to detail
• Experience of identifying industrial investment opportunities within the global credit markets
• Advanced MS Word, Excel, Bloomberg and internet skills
• Ability to build and maintain detailed financial models
• Degree in finance, economics, accounting, or related field preferred
• CFA, post graduate degree preferred

Duties of Credit Analyst:

• Process customer credit
• Identify customer discrepancies solutions and collect past due
• Issue credit memos for domestic and international customers
• Document decisions in system (e.g. approvals, denials)
• Enter data into the system and generate outputs or reports
• Escalate business questions to Senior Analysts and Managers
• Understand the credit function, key policies, and standard operating procedures
• Build effective relationships with internal parties to develop solutions and resolve issues collectively
• Perform collections calls of late accounts to accelerate cash and minimize bad debt losses. 
• Address internal and external customer inquiries and requests.
• Obtain credit hold orders and releases, generate and run credit hold reports, review and verify the credit standing prior to releasing shipments. 
• Obtain proper approvals according to credit release policy. Ensure timely release or resolution of orders on hold to optimize production and customer delivery.
• Review customer accounts for adherence to terms. Make customer calls to resolve disputes and expedite collection of past due amounts.
• Resolve customer discrepancies. Address discrepancies and unauthorized deductions with customers and sales reps for resolution in a timely manner.
• Process Credit Memos as needed. Ensure the proper approval from management is attached. 
• Act as primary back-up to cash application position as required. Process credit card payments.
• Perform Month-end tasks – Review Credit / AR with manager
• Process credit applications. Evaluates terms and credit limits and review with management for approval.

Requirements and Qualifications of Credit Analyst:

• Bachelor’s Degree; preferably Accounting/Finance or business-related degree; with a minimum of 2 years of closely related Accounting/Finance/Credit experience is required. Will consider a minimum of 6 years of closely related experience in lieu of degree.
• Strong understanding of credit policies and procedures.
• Working knowledge of MS Office (Word, Excel, etc.)
• Relevant software applications experience is preferred.
• Strong analytical and mathematical skills
• Customer service
• Basic verbal and written communications skills and ability to work effectively as part of a team in a fast paced and multi-task environment
• Must be well organized and able to function within tight deadlines.

Credit Risk Analyst Accountabilities:

• Conducting fundamental analysis, in connection with new and existing counterparties/relationships, via appropriate levels of credit analysis in support of the organization’s commercial and credit risk management portfolio;
• Credit risk management financial modeling in support of fundamental analysis, portfolio reporting, and macro-economic events/fundamentals;
• Active involvement in daily/necessary credit risk portfolio management disciplines and supporting credit risk management portfolio reporting;
• Ongoing review, and negotiation, of key credit terms and conditions inherent to the respective documentation (contracts, GTCs, etc.) that supports the organization’s transactions and associated commercial and credit risk management portfolio;
• Ongoing review of key terms and conditions incorporated within the organization’s Payment Undertakings, including coordinating with the Commercial & Operations teams in issuance of such Payment Undertakings;
• Ongoing review and awareness of the organizations credit policy, procedures and processes as a means of ensuring compliance and adherence thereof while recommending appropriate/necessary modifications in support of a world-class credit risk management function;
• Communicate effectively with internal and external customers in a manner that supports the organization’s goals and objectives while prudently managing the inherent credit risk exposure that may stem from a particular transaction and/or portfolio;

Credit Risk Analyst Skills and Abilities:

• Ability to learn and utilize various internal credit risk management systems; and
• Ability to perform the aforementioned principal duties and responsibilities in a timely and accurate manner.
• Strong communication and interpersonal skills.
• Strong planning, organizational skills and self-discipline are essential.
• Energy and/or banking background supported by the disciplines of credit risk management.
• Proficiency in Microsoft Excel.
• Strong attention to details.
• Bilingual Mandarin Chinese and English, specifically the ability to read and write is a MUST.
• Bachelor’s degree in one of the following majors: Finance, Accounting, or General Business, and/or Economics.
• Basic knowledge of commodity markets, trading concepts and risk metrics are a plus.

Credit Analyst Duty:

• Determine credit terms and limits for new customer requests. 
• Manage current customers’ credit limit and terms as appropriate.
• Communicates effectively with all levels of payers to confirm payments of past dues and disputes.
• Ensure all information and documentation comply with company standards
• Reviews aging and past due receivables daily to develop a collection strategy.
• Participate in the improvement of the master data management process.
• Develop informative, actionable and repeatable reporting that highlights relevant business trends and opportunities for improvement
• Interact with executives, managers, subject matter experts and development teams
• Assist the Sr. Business Analyst with the planning and budgeting process.

Credit Analyst Requirement:

• Bachelor's degree - all majors encouraged to apply
• Ability to handle multiple tasks and meet deadlines, while maintaining focus in an environment with conflicting demands and priorities
• Strong analytical skills with ability to work collaboratively and individually to find the best possible solutions
• Ability to communicate complex situations clearly and simply by listening actively and conveying difficult messages in a positive manner
• Proficiency with technology, specifically programs like Microsoft Word and Microsoft Excel

Credit Analyst Responsibilities:

• Assess credit risk and review credit limits for existing customers.
• Establish credit limitations on customer accounts and handle special credit arrangements and deviations from standard terms of payment.
• Interact with customers during the ongoing development of credit and financial history.
• Proactively review sales forecast to identify potential credit issues
• Document credit decisions and actions according to internal controls/policy.
• Handle accounts across multiple company codes and lines of business.
• Provide financial order management support to Supply Chain and Sales to control credit exposure, effect timely payment and minimize risk of customer disputes.
• Daily review of order backlog to address any potential credit issues. 
• Manage credit hold status (apply/release holds – SAP) and recommend credit hold on product when appropriate.
• Evaluate the need for financial statements, security instruments on customers and facilitate obtaining and monitoring their effectiveness.
• Proactively review sales forecasts to identify potential credit issues.
• Provide weekly cash forecasts and analysis of results.
• Conduct collection calls and written communication (emails) to collect accounts receivable.
• Negotiate customer disputes to resolution and document root causes.  
• Resolve billing disputes in a timely manner to increase cash flow and minimize accounts receivable delinquency.
• Negotiate payment plans.
• Review and make recommendations regarding bad debt or write-offs.
• Minimize bad debt write-offs and maximize cash collections while being sensitive to the needs/requirements of both internal and external customers.
• Prepare and update accurately various metric and ad hoc reports monthly, quarterly and as required by management.
• Promptly notify appropriate team of any customer disputes and/or collection issues preventing timely release of order and pursue issue to resolution.
• Maintain accurate credit files and collection files. 
• Maintain electronic collection notes for each customer account.

Credit Analyst Requirements:

• Associate’s Degree with a minimum of 3-5 years of credit and collections experience in a related environment or the equivalent combination of education and experience.
• SAP experience preferred.
• Strong understanding of financial statements.
• Strong verbal and written communication skills.
• Effective organizational and prioritization skills.
• Must be results driven and detail oriented.
• Demonstrated customer service skills and a commitment to quality excellence.

Credit Analyst Roles and Responsibilities:

• Work with the sales team to insure all relevant financial and collateral information is submitted.
• Prepare initial credit approval packages (underwriting and due diligence) for the management team and provide follow up on any pending information and questions.
• Participate in the loan documentation and loan system-setup.
• Perform initial and ongoing financial analysis of prospects and clients including spreading and evaluating financial statements and trends.
• Ensure that any collateral reports are submitted in accordance with the loan agreement and that the collateral is being properly monitored.
• Comply with established company policies and procedures.

Credit Analyst Qualifications and Requirements:

• Bachelor's Degree is required; Finance or Accounting is preferred.
• Three plus years experience in credit analysis and underwriting in the finance industry.
• Problem-solving and decision-making skills are essential.
• Strong organizational, interpersonal, communications, and customer relationship skills are required.
• Ability to work in a fast-paced environment while balancing several ongoing tasks requiring attention to detail and concentration skills.
• Ability to understand and follow directions provided by management.
• Proficient with computer skills to include Word, Excel, Outlook, and the ability to learn new programs.
• Ability to travel on occasion on short notice for a day or two.

Credit Analyst Roles and Responsibilities:

• Evaluates potential and existing member business loan and Treasury Management requests in order to make initial recommendations to lenders.
• Review files for accuracy and completeness.
• Participates in business lending and Treasury Management special projects as assigned.
• Prepares preliminary loan presentations for member business loans, to be used in the loan approval process.
• Ability to read, analyze, and interpret documents to assess risk factors and degrees of risk.
• Assist with the ongoing review of member business credit relationships including loan memorandums, annual reviews, remote deposit capture and ACH origination.
• Demonstrates a solid knowledge of SBA loans.
• Assist in gathering and documenting critical information for new and existing SBA loans.
• Works directly with the member to research background documentation and review personal
• Business financial statements and tax returns.
• Analyze financial information and prepare the analysis for lender approval.
• Strong understanding of ratios, global and universal cash flow analysis is a must.
• Works with lenders on calls on past-due loans and preparation of troubled loan monitoring reporting. 
• Assist with presentation to Loan/Credit committees.
• Financial analysis, commercial or business lending, and Treasury Management experience.

Credit Analyst Qualifications and Requirements:

• A four-year degree in accounting, business, finance, or a related field or equivalent in experience is a minimum requirement. CPA designation a plus.
• Strong knowledge of business lending and Treasury Management regulations and products/services including ACH and remote deposit capture.
• Demonstrates advanced knowledge and application of business lending and Treasury Management credit policies and procedures.
• Strong knowledge of credit union industry and ability to present a professional and dynamic image.
• Must have strong logical and analytical ability.
• Strong written and verbal communication skills.

Credit Analyst II Responsibilities:

• Conducts in-depth credit investigation, evaluation and analysis of the creditworthiness of the borrower.
• Prepares financial spreadsheets using Bank’s software.
• Evaluates the information and assists with completing credit write-ups for new loans and renewals.
• Investigates and analyses credit history of customers by ordering credit reports from Moody’s, Dun and Bradstreet, Experian and other Trade References.
• Work with lenders and credit administration to prepare files, reports and analysis in anticipation of internal, external and regulatory exams.
• Establishes and Maintains Credit Tickler System.
• Reviews maturing loan report and other portfolio reports; works with Relationship Managers to resolve open/pending issues.
• Prepares and sends out renewal notification letters to customers signed by Loan Officers requesting updated credit information and financial statements.
• Monitor loan covenants, track reporting and bring violations or deficiencies to the attention of management.

Credit Analyst II Minimum Requirements:

• Minimum of Two (2) years related experience and/or training; or the equivalent combination of education and experience.
• Demonstrated ability to spread financial statements using spreadsheeting software.
• Strong analytical, organizational interpersonal and communication skills.
• In–depth knowledge of banking laws, policies and procedures.

Credit Analyst Role:

• Evaluate the credit worthiness and assess risk associated with granting credit terms to our customers
• Obtain financial statements, bank and trade references and credit agency reports minimizing the risk of bad debt due to write-offs
• Work with external and internal customers and sales team members to obtain additional information/documentation needed for final decisions
• Preparing credit files for review while working with the sales and operations teams to support the new account set-up process.
• Review, prepare and process customer credit applications in accordance with the organization's credit policy

Credit Analyst Qualifications:

• Two years of professional credit underwriting or financial statement review experience in the manufacturing or distribution industry is preferred.
• Strong analytical, decision-making, and negotiating skills.
• Exceptional interpersonal skills and demonstrate a passion for customer service.
• Driven by to contribute to profitable and continual improvement
• Proficiency in Microsoft Word, Excel, and Outlook is required
• ERP experience
• Ability to adhere to and meet deadlines.