Senior Credit Analyst Job Description
Senior credit analyst
provides financial analysis and/or advanced general finance / accounting or related operational support as assigned.
Senior Credit Analyst Duties & Responsibilities
To write an effective senior credit analyst job description, begin by listing detailed duties, responsibilities and expectations. We have included senior credit analyst job description templates that you can modify and use.
Sample responsibilities for this position include:
Experience with Utilities, Transportation, other Project Finance
Maintains control over current accounts
Oversees all aspects of loan closings
Research information on potential customers
Maintain customer and internal staff relationships in a variety of regions
Establish credit of customers
Review cash applications, aging
Work to resolve system issues and procedures
Interact with all levels to present information and discuss business issues
Develop plans for goals and priorities for one departments and the Company as a whole
Senior Credit Analyst Qualifications
Qualifications for a job description may include education, certification, and experience.
Licensing or Certifications for Senior Credit Analyst
List any licenses or certifications required by the position: CFA, FRM, SAS, VLSS, PRM, CCB, BIC, V3, ITIL, CBAP
Education for Senior Credit Analyst
Typically a job would require a certain level of education.
Employers hiring for the senior credit analyst job most commonly would prefer for their future employee to have a relevant degree such as Bachelor's and University Degree in Finance, Accounting, Business, Economics, Business/Administration, Education, MBA, Graduate, Marketing, Management
Skills for Senior Credit Analyst
Desired skills for senior credit analyst include:
Practices
Advanced concepts
Procedures of finance and accounting
Bloomberg Terminal
Accounting
Broader related areas
Economics
Finance
Financial analysis
Risk analysis
Desired experience for senior credit analyst includes:
Must have analytical, computer, and statistical skills ability to approach problems in a quantitative manner
Assure that all credit presentations are based on legal, financial and regulatory requirements in Chile in the United States
Organizational goals, the market, and the competition
Maintains effective and open lines of communication
5+ yrs exp in credit and collections or 2+ yrs exp in analysis with an MBA
Strong Excel skills, must be able to do vlookups and pivot tables
Senior Credit Analyst Examples
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Senior Credit Analyst Job Description
Job Description Example
Our innovative and growing company is hiring for a senior credit analyst. We appreciate you taking the time to review the list of qualifications and to apply for the position. If you don’t fill all of the qualifications, you may still be considered depending on your level of experience.
Responsibilities for senior credit analyst
- Conduct fundamental credit research on municipal securities, with particular emphasis on Industrial Development Revenue bonds
- Update the system in accordance with Credit decision
- Performs analysis of merchant behavior considering transaction patterns, suspicious changes in merchant masterfile, historical of issues, etc
- Assist the UK Fraud Team (where required) in managing potential fraud cases that are referred/escalated for local management assistance
- Manage and develop the Credit Risk Management team in CS Spain
- Proactive management of existing loan book consisting of standard lombard structured lombard credits
- Analysis and performing of credit decisions for standard structured lombard requests, including support to front in due diligence and structuring
- Close collaboration and professional communication with Credit Risk Management head office, front and risk destination on credit-related matters
- Assess and develop the credit offering in-line with the bank strategy with focus on Ultra High Net Worth clients
- Review current processes roles and responsibilities in the credit business, and identify and implement efficiency gains
Qualifications for senior credit analyst
- Steel/Metal industry experience
- The ideal candidate has 7 years of working experience in banking sector with related 3 years in underwriting for corporate or LLC customers
- Minimum of 3 years of credit management experience
- Well-versed in SAP
- Ability to succeed within a team environment work independently with minimal supervision
- 6+ years within a high volume Accounts Receivable/Credit role
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Senior Credit Analyst Job Description
Job Description Example
Our company is growing rapidly and is hiring for a senior credit analyst. Please review the list of responsibilities and qualifications. While this is our ideal list, we will consider candidates that do not necessarily have all of the qualifications, but have sufficient experience and talent.
Responsibilities for senior credit analyst
- Prepare written documentation explaining the credit-worthiness of the client attempting to secure the loan
- Review the presentations of credit lines ensuring that all the information necessary for the decision-making is included in the write up
- Check the existence and the conformity of source documents the coherence of the presentation with the operations
- Provide an independent and comprehensive opinion on the proposed risks, in particular financial and structure risks reputation risk, the risk related to the operations, counterparty risk, price risk, country risk, political risk and provide concrete propositions to improve the structure and risks
- Participate with consultative voice in the local Credit Committees, related meetings an projects
- Review Legal documentation and ensure proper administrative follow up of credit decisions
- System & Strategy Development (including scorecard development preferably) - define & prioritise any further enhancements to the behavioural scoring decision engine, manage the implementation & communication of those changes
- Reporting – review of monthly Strategy reports and KPIs, setting regular meetings to review trends and changes
- Represent Credit Risk on departmental & cross-functional projects
- Marketing Campaigns – build effective working relationships with Marketing & support the inclusion of behavioural scoring modelling within their loyalty & retention processes
Qualifications for senior credit analyst
- Degree in relevant discipline from a recognized university CFA is preferred
- At least 8 years of solid experience in Credit related work, good knowledge of capital market products including derivatives in treasury and commodity products, ISDA is an advantage
- Contribute to department SLA by ensuring risk assessment of applications takes place as quickly as possible based on size of account and amount of due diligence required
- Act as a reference point for other team members in the managed account team
- Tertiary qualification in numerate discipline
- Familiarity with best practice tools and techniques relevant to credit risk portfolio management, decision tool engines
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Senior Credit Analyst Job Description
Job Description Example
Our company is growing rapidly and is hiring for a senior credit analyst. Thank you in advance for taking a look at the list of responsibilities and qualifications. We look forward to reviewing your resume.
Responsibilities for senior credit analyst
- Monitors credit limits and payment status on assigned key accounts and resolves collection issues
- Management of non-standard terms
- Works in collaboration with management to prepare reports in Excel and Access on customer AR status, based on established metrics
- Perform the credit risk assessment and determine customer creditworthiness
- Thoroughly analyzes the most complex commercial credits which exceed $1.5 million in credit exposure
- Participate in customer calls with Commercial Lenders to assess new business opportunities
- Participate in deal discussion meetings with lending personnel, market managers and appropriate credit officers to preliminarily assess merits of a request
- Work with lending personnel, market managers and appropriate credit officers to underwrite and structure commercial loan transactions in accordance with credit culture of the Bank
- Responsible for managing underwriting pipeline of new and renewal requests from commercial clients
- Consult and provide guidance to market personnel as to navigation of the commercial underwriting process interpretation of loan policy
Qualifications for senior credit analyst
- Degree in relevant discipline from a recognized university (MBA or other professional qualifications such as CFA is preferred)
- Corporate and commercial banking product knowledge, including corporate loans and structured financing
- The ideal candidate has above 5 years of working experience in banking sector with related 3 years in underwriting for corporate or LLC/MNC customers
- 5-7 years of credit research experience
- Working knowledge of Capital Markets Trading Products
- Perform credit responsibilities including new customer approval, financial statement analysis, contract review, understanding D&B credit reports, authorize credit lines
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Senior Credit Analyst Job Description
Job Description Example
Our company is growing rapidly and is looking for a senior credit analyst. If you are looking for an exciting place to work, please take a look at the list of qualifications below.
Responsibilities for senior credit analyst
- If the analyst is unable to clear any failed item(s), they will assign conditions to the loan file for documentation required to clear these issues or if applicable, escalate the loan to Senior Management for review of the file
- Receive telephone calls from lenders providing them clarification and/or explanation of the loan file conditions
- Receive and review documentation received from the lender to clear their suspense conditions
- To issue an expert investment’s recommendation for every issuer analysed (Add, Hold, Reduce, Sell) based on their analysis to support the portfolio managers in their investment process
- To issue periodic reports (a base report and its updates) on every issuer under analysis
- To have a thorough knowledge of the economic sectors where the companies under his/her radar develop their activities
- To keep IM posted on any relevant news about every issuer under his/her scope
- To keep updated the recommendations list
- To participate in a weekly investment committee covering the companies under his/her scrutiny delivering expert opinions and recommendations
- To contribute to the asset allocation process
Qualifications for senior credit analyst
- Experience and knowledge in dealing with Ultra High Net Worth client needs, including but not limited to security backed lending, corporate lending and derivative instruments
- Knowledge of local laws and regulations applicable to private banking lending business to ensure appropriate documentation and full compliance of the credit activities
- Builds effective partnerships through excellent communication and presentation skills in Spanish and English
- Track record in managing people allowing to reinforce the team
- Strives to fulfill the main responsibilities in an effective way on the back of good organizational skills
- Experience with credit risk management tools and techniques
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Senior Credit Analyst Job Description
Job Description Example
Our company is growing rapidly and is searching for experienced candidates for the position of senior credit analyst. We appreciate you taking the time to review the list of qualifications and to apply for the position. If you don’t fill all of the qualifications, you may still be considered depending on your level of experience.
Responsibilities for senior credit analyst
- Analyzing / formalizing credit history of customers
- Performing research / analysis related to business and industry studies
- Monitoring accounts receivable compliance customer accounts
- Contact external customers credit/store personnel to clarify or obtain additional information to accurately complete the collection
- Acts as a resource/trainer for new or less experienced teammates
- Prepare CCR and CCCM underwriting with comprehensive analysis for prospective and existing clients
- Assist with portfolio management, Loan Monitoring and updating ONTRACK Reports in compliance with C&I Desktop Procedures and DCI
- Support senior bankers in all aspects of underwriting and booking deals and portfolio management and maintenance
- Prepare CCR for loan renewal, amendment, waiver
- General Support of C&l Portfolio Team
Qualifications for senior credit analyst
- Re-engineering processes
- Ability to translate business rules to IT
- Advanced proficiency in MS Office, primarily with Excel
- Must be resourceful, self-motivated, organized
- Track record of superior customer satisfaction
- Ability to handle complex and sensitive customer accounts