
Expert Financial Risk Analyst
6 days ago
Role Overview
This Commercial Credit Analyst position involves assessing the creditworthiness of borrowers and making informed lending decisions. The ideal candidate will have a deep understanding of commercial loans, financial analysis tools, and CRM software.
Key Responsibilities:
- Analyze financial statements, cash flow projections, credit reports, and other relevant documents to determine creditworthiness.
- Evaluate risk associated with mortgage loan applications, including assessing financial stability, repayment capacity, and collateral value.
- Conduct thorough assessments of collateral, including residential and commercial real estate, equipment, or other assets.
- Examine financial statements of borrower's business, including income statements, balance sheets, and cash flow statements.
- Consider economic and industry-specific factors that may impact borrower's ability to repay loan.
Requirements:
- Bachelor's degree in finance, accounting, economics, business administration, or related field.
- Minimum 3 years' experience in credit analysis or similar role within mortgage or finance industry.
- Experience in using CRM software, such as Salesforce or similar platforms.
- Proficient in using financial analysis tools.
- Strong understanding of commercial loans and various income streams.
What You'll Do:
- Collaborate with loan officers and underwriters to structure loan terms and conditions.
- Communicate credit decisions, loan terms, and conditions to borrowers and stakeholders.
- Recommend risk mitigation strategies to offset credit risk.
Benefits:
- Competitive salary package and annual performance review.
- Flexible work setup: Work from Home or Hybrid or on-site.
- Opportunity to attend events and travel for professional development.
- Chance to earn your certification in Mortgage Broking and Finance.
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