Responsibilities of a credit analyst include evaluation of financial data, such as balance sheets and income statements to determine the level of default risk, and preparation of a report for both the client and the lender. This evaluation includes calculating certain financial ratios to help the lender make comparisons. These responsibilities necessitate that credit analysts receive at least a bachelor’s degree, ideally in finance, accounting, economics, or mathematics (notably statistics). Many credit analysts’ initial work experiences are in the areas of accounting, accounts receivables/payables, or loan application processing.
Risk analyst, Communication skill, Risk Forecasting ability,
Adaptability and proactivity, multitasking
Communication (verbal and written)
Advanced knowledge of programming/scripting (SQL, Python, Altreyx, Tableau…)
Advanced knowledge of Digital solutions
Knowledge/understanding of banking and financial markets