Credit Risk Analyst  at Mintvilla Housing Real Estate

Responsibilities

• Determine the creditworthiness of both existing and prospective customers
• Examine financial transactions and credit history on a case-by-case basis (applications, balance sheets, bank statements, legal documents, etc.)
• Carry out ratio, trend, and cash flow analysis
• Generate sound projections that can be justified with data
• Judiciously analyze data and create clear, objective reports—assessing risks and benefits involved
• Comply with all credit policies and guidelines; regularly monitor loans for compliance
• Continually observe corporate portfolio asset quality
• Draft models that predict trends and patterns in the credit market
• Practice due diligence

Qualification

• Bachelor’s degree or equivalent in business, statistics, or related field
• Significant work history as a credit analyst in a financial institution is strongly preferred
• Exceptional analytical abilities
• Commitment to remaining current on all legal, compliance, and market risk matters
• Proven experience analyzing cash flow, leverage, collateral, and customer creditworthiness
• Solid communication and presentation skills
• Honest, diligent and trustworthy