CREDIT ANALYST JOB AND SKILLS
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CREDIT RISK ANALYTICS Banks
Corporate
Credit
(Borrower)
Analyst
Fixed Income Investors
Require a Loan Capex Project
Assess Credit Risk Evaluate Borrower
What are
the
Business Risks?
Business Performance? Financial Performance?
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01
ROLES AND RESPONSIBILITES To investigate
the
creditworthiness
of a loan applicant.
To analyze
the
credit of not only
individuals, but also
that
of
companies and small businesses.
To gather information from payment histories, salaries, savings, debts and other financial details of an individual.
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To evaluate corporate entities in of credit risk
worthiness
terms
for raising a
new loan from either a bank or debt investors.
To assess
the
overall business and
financial risk profile of
the
borrower
and make recommendations on overall credit quality of
the
the
company.
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02
SKILLS TO APPLY FOR A CREDIT ANALYST JOB KNOWLEDGE OF ACCOUNTING
To pick
up
critical accounting
techniques
such as analysis of balance
sheets and financial statements, ratio analysis, statistics, etc.
ATTENTION TO DETAILS
To identify
the
missing link or
inconsistencies in data sets and pay a lot of attention
to
even
the
most minor
details.
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PROBLEM SOLVING AND COMMUNICATION SKILLS
To
work
as a part of a
communicate
the
other
their
team
team
and be able
findings clearly
to
with
members. Must have an
aptitude for problem solving.
UNDERSTANDING THE INDUSTRY
Every sector has a specific set of parameters
to judge the
creditworthiness
of a business, organization or individual
working
in
that
particular industry.
SOFTWARE AND TECHNICAL SKILLS
To be comfortable in scripting languages such as Python, statistical languages such as R or SAS and querying languages such as SQL or Hive.
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03
WHICH INSTITUTIONS EMPLOY A CREDIT ANALYST? Insurance Companies
Credit Rating Agencies
Commercial and Investment Banks
Credit Card Issuing Companies
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Take a decision
to
invest and never regret about it.
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