Credit Analyst

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Job Details on Credit Analyst

A Credit Analyst is an individual who will access the borrower’s ability to repay the loan by determining their financial health. The credit analysts are hired mostly by banks, consulting and financial companies where lending are being facilitated. In their job they gather financial information and check the financial ratios with industry benchmarks to help the borrowers obtain the loan after careful scrutiny and analysis. They can also recommend the credit limit for a new customer as per the Company policies and based on their evaluation the underwriter grants the loan to the borrower within a time limit. On an average Credit Analyst can work between 8 to 14 hours. They may occasionally travel to inspect Companies or while working with clients financial requirements.

Job Responsibilities

  1. Evaluating credit risk
  2. Analyze financial data
  3. Review the credit limits
  4. Work on due diligence
  5. Working with financial software of the Companies
  6. Prioritizing the work that needs more attention than the rest
  7. Collaborating with credit team to get more accurate evidences

Skills required for a credit analyst are

  • Financial
  • Managerial
  • Analytical
  • Logical
  • Attention to detail
  • Multitasking
  • Recommending
  • Communicating
  • Risk Controlling
  • Reporting

Academic Qualification

Bachelor degree in Business Administration with specialization in Finance, Accounting and Risk Management.


Two to five years of work experience in credit or trade finance.

Information used by Credit Analysts are

  • Financial Statements
  • Annual Reports
  • Management Account
  • Profit and Loss Statement
  • Market data reports
  • Customers income source

Salary per month

Credit Analyst earn Rs. 27000 up to Rs. 34000 per month

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