Senior Analyst, Credit Job Description
Senior analyst, credit
provides sound business ownership of selected enterprise risk solutions including all systems supporting the enterprise’s automated credit decisions and the enterprise’s risk rating processes.
Senior Analyst, Credit Duties & Responsibilities
To write an effective senior analyst, credit job description, begin by listing detailed duties, responsibilities and expectations. We have included senior analyst, credit job description templates that you can modify and use.
Sample responsibilities for this position include:
Performing collection calls
Reporting -reporting is manual, they are pulling info out of systems and then using Excel and Access to manipulate that data
Credit -will analyze financial statements, calculate ratios, use D&B and do bank and trades refs, authority up to 100k
Collections- will have approx
Analyze credit data and financial statements to assess for risks in the extension of credit to domestic and international accounts for DVD/BD, Video Games, Digital channels other WB business units
Generate, compile, construct AR-Sales Forecast to determine AR exposure
Obtain & compile financial documents
Develops and analyzes credit information
Reviews credit and financial information
Analyzes financial statements
Senior Analyst, Credit Qualifications
Qualifications for a job description may include education, certification, and experience.
Licensing or Certifications for Senior Analyst, Credit
List any licenses or certifications required by the position: CFA, FRM, SAS, VLSS, PRM, CCB, BIC, V3, ITIL, CBAP
Education for Senior Analyst, Credit
Typically a job would require a certain level of education.
Employers hiring for the senior analyst, credit 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 Analyst, Credit
Desired skills for senior analyst, credit include:
Automated Decision/Business Rules Management Systems
Lending/Credit Systems &/
Credit systems
Risk management and control processes appropriate to a financial services environment
Any ERP systems
Bank’s products
Bank’s structure
Microsoft Office skills
Operations and information systems
Procedures and processes
Desired experience for senior analyst, credit includes:
Well developed keyboard and computer skills
College degree with major in accounting or finance preferred
Knowledgeable in SAP and Business Objects
Proficient in Excel and other PC programs
Familiarity with resale tax laws/rules
Prepares credit reports
Senior Analyst, Credit Examples
1
Senior Analyst, Credit Job Description
Job Description Example
Our company is looking to fill the role of senior analyst, credit. To join our growing team, please review the list of responsibilities and qualifications.
Responsibilities for senior analyst, credit
- Interface closely with various Departments in analyzing, collecting, and reconciling account discrepancies providing support to the Sales group when necessary
- Collaborate with your team management to recommend and implement process improvements that will increase the efficiency and productivity of the department
- It is critical to prepare and present credit applications to appropriate lending authorities for approval to clearly identify both obligor risks & transaction risks arising from lease structure, collateral and documentations
- Manage ongoing credit needs of existing relationships
- Respond to SCO, SCA or credit committee questions related to credit applications
- Research and evaluate specific target industries
- To carry out a thorough analysis of credit applications
- Monitor developments across allocated industry sectors identifying major risk factors and, after investigating any adverse developments that may affect existing clients / quality of book
- Work in close cooperation with the Relationship Managers and other bank product team members
- Ensure that the relevant credit and business/industry risks are identified and clearly explained within the credit applications
Qualifications for senior analyst, credit
- BNYM uses scorecard methodology in assessing Obligor Risk Ratings
- Reporting to the Manager, Credit and Risk, the role is accountable for adjudicating new applications received for the Managed Accounts portfolio and completing annual credit reviews to ensure overall credit quality of the portfolio
- Ensure that Managed Accounts Service Level Agreements are met or exceeded and are handled efficiently and accurately.• Use sound credit judgment to assess, analyze and present well-written, logical Merchant Risk Reviews on new/renewal for larger merchant relationships identifying key merchant risk and contingent exposure
- Liaise with sales reps (National Sales and Regional Sales) and customers on new requests requiring additional information for adjudication, ensuring requests are appropriate and complete so that information is obtained using minimal attempts
- Ensure that the knowledge is kept current in regards to credit policy, products, pricing, sales campaigns, new rollouts and information relating to accurate completion of input forms as to eliminate errors in set ups
- Ensure every opportunity is taken to board merchants representing reasonable risk and growth potential for TDMS
2
Senior Analyst, Credit Job Description
Job Description Example
Our growing company is searching for experienced candidates for the position of senior analyst, credit. 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 analyst, credit
- Simulate and propose counterparty risk ratings & recovery rate on facility for corporate clients per Basel III requirement
- Monitor clients’ credit evolution and immediately alert Management for any early warning signals
- Meet with clients jointly with Relationship Managers, when and where possible, to deepen the understanding of a credit
- Underwrites new transactions or modifications of the existing transactions
- Utilize and interpret credit reports, financial statements, public financial information, to determine appropriate credit limits for new and existing key customers in assigned portfolio
- Update/review credit limits in accordance with Company Credit Policy or as needed to support customer purchases
- Monitor risk and make recommendations regarding risk reduction strategies
- SAP SME for credit module functionality
- Special projects as needed or as specific to portfolio supported
- Assist RMs during loan process by working directly with the client in completing all necessary mortgage documentation forms including the mortgage application
Qualifications for senior analyst, credit
- Proficient in financial spreading, projection and handling credit application document
- The ideal candidate has at least 8 years of credit review or credit analysis experience
- Ability to make sound business recommendations
- Ability to write clear, logical, concise credit applications, memos and correspondence
- Minimum 5 year Credit Analyst experience in Commercial Bank based in Japan is must
- The ideal candidate has 8 years of working experience in banking sector with related 3 years in underwriting for corporate or PRC customers
3
Senior Analyst, Credit Job Description
Job Description Example
Our company is looking for a senior analyst, credit. 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 analyst, credit
- Independently analyzes performance of major clients to set underwriting criteria that appropriately books profitable new accounts monitoring results of ongoing credit risk programs for existing accounts
- Initiates collection action by contacting customer and securing payments according to company policy via email and phone
- Day to day support of Credit Analysts within team
- Assist Commercial RMs in managing workflow via a pipeline process with regard to the prioritization of new prospects , modifications, renewals/upcoming maturities, Portfolio Reviews and Special Asset Reports while developing a working knowledge of all prospective opportunities through the the Process
- Develops and maintains proprietary financial models used in managing customer relationships and forecasting trends for customer results
- Gathers, analyzes and presents data to management to assist in decision making, including credit reviews for large customers
- Participates in the planning, analysis, and execution of special projects
- Works in collaboration with management to prepare written monthly reports detailing customer performance for the executive team
- Gathers, maintains and analyzes the impact of industry and economic data on customer markets and bank credit facilities, their impact on the extension of credit
- Conducts audits of customer account activity for comparison to contracts, and assists in the analysis and preparation of seasonal credit line increases
Qualifications for senior analyst, credit
- Minimum of 3 years experience in commercial credit analysis, with credit analysis in a trading environment a plus
- Strong understanding of financial statement analysis, have worked with contracts and credit documentation, and have a good working knowledge of the capital and commodity markets
- Ability to establish a rapport with external customers and internal business partners with minimal supervision
- Must be a strong communicator able to synthesize detailed credit information into succinct credit limit requests, work cross-functionally, and willing to contribute to broader process improvement initiatives of ETI Credit Risk Management
- Team Management Skills to manage a team of Underwriters
- Proven track record as credit risk manager with 8 years or more of credit risk management or credit analysis experience with a degree in economics or finance
4
Senior Analyst, Credit Job Description
Job Description Example
Our innovative and growing company is hiring for a senior analyst, credit. If you are looking for an exciting place to work, please take a look at the list of qualifications below.
Responsibilities for senior analyst, credit
- Perform credit reviews of retail energy customers using financial statement analysis and third party credit scoring models
- Using the results of the credit review, recommend credit limits and alternative credit arrangements for retail energy customers
- Negotiate the credit terms and conditions in retail energy contracts
- Monitor credit exposure of retail energy customers and recommend mitigating actions as necessary
- Monitor financial status of retail energy customers and recommend mitigating actions as necessary
- Develop and prepare periodic management reports
- Develop and prepare management presentations as required
- Monitor and inform on industry developments, such as earnings and news releases, change in credit ratings
- Complete spreadsheet from review of specific documents
- Review any item(s) that does not pass the validation process on the spreadsheet
Qualifications for senior analyst, credit
- Three to six years of experience in credit analysis and/or lending activities
- Knowledge of credit risk analysis and underwriting principles, methods, and practices
- Basic proficiency using Microsoft Office applications to include Word and Excel, other database application systems
- A 4-year college or university degree in any discipline and a minimum of 4 years exempt experience with significant exposure in credit underwriting, preferably related to either project finance or syndications and M&A with further desirable exposure in dealing with transaction related to marine/ power generation/ oil & gas industries
- Minimum of 6 years of Commercial/CRE lending/credit experience with 5+ years dedicated to commercial credit underwriting with increasing levels of responsibility
- End to end BA skills - writing BRD's / Process Mapping / Gap Analysis
5
Senior Analyst, Credit Job Description
Job Description Example
Our innovative and growing company is looking for a senior analyst, credit. 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 analyst, credit
- To elaborate the economic views to be presented in the local committees (weekly, monthly, ALMICs, Board of Directors meetings)
- Contributes to the analysis and selection of fixed-income securities
- Analyzes the creditworthiness of individual securities considering the economic prospects of the issuer, its cash flow generating ability and liquidity needs, and other relevant factors in order to determine the suitability of each security for purchase or appropriateness of securities held in the portfolio for sale
- Exercises diligence, independence and thoroughness in analysing investments and taking investment actions in the best interest of the portfolio principals in order to outperform the benchmark, including the timing of investments and divestments
- Achieve planned analysis goals
- Achieve planned quality in those companies’ analysis
- Achieved planned goals in number of initial analysis and updates
- Establishing credit limit for potential / existing customers
- Gathering information on existing and prospective buyer through inquiries and investigations with trade suppliers, financial institutions, professional firms or individuals
- Conducting credit investigations and analyzing diverse credit information
Qualifications for senior analyst, credit
- Good knowledge of accounting principles, credit and collection policies and procedures, and credit risk
- Direct experience of high volume consumer markets, telecoms, financial services, utilities
- Bachelors degree in Finance, Business, or related field such as Statistics or Accounting
- Ability to analyze numeric data and trends, including root cause analysis
- Familiarity with and ability to negotiate credit terms in industry standard master trading agreements (ISDAs, NAESBs, EEIs)
- Ability to work well with others, inside and outside of GSEMNA