Credit Analyst II
Core
Evaluating and managing credit risk for new and existing customers by performing detailed financial analysis and applying credit policies.
Role type
Mid-level credit analyst
Builds
Credit risk assessments, credit limits, terms, and risk ratings for domestic and international customers
Domain
Financial services / Credit risk
Deliverable
production ML models | product features | dashboards & analysis | research | client delivery | infrastructure | physical/clinical work
Required skills
Financial statement analysis, credit risk assessment, portfolio management, risk rating adjustment, financial data interpretation, journal entry preparation, internal document drafting, stakeholder communication, independent decision-making, system adaptation
Preferred skills
Advanced Microsoft Excel proficiency, knowledge of credit risk principles and internal controls, ability to explain financial concepts clearly, organizational skills, customer service orientation
Technologies
Microsoft Excel
Responsibilities
Analyze financial statements and third-party data to assess credit risk; Evaluate customer creditworthiness and recommend credit limits and terms; Manage and monitor a portfolio of accounts for changes in financial condition; Review payment trends and industry conditions to support credit decisions; Prepare journal entries ensuring accuracy and compliance; Communicate credit decisions and risk concerns to branch offices and internal partners; Draft internal documents such as Non-Disclosure Agreements and Letters of Guarantee; Escalate higher-risk or complex credit matters to senior analysts.
Seniority
Mid-level, independent contributor