Credit Analyst

Lonestar Electric Supply; Houston (TX); On-site; USD 55,000 - 75,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Life insurance

Vision insurance

401(k) match

Paid time off

Paid holidays

Job summary

Lonestar Electric Supply seeks a Credit Analyst to assess creditworthiness and lending risk by reviewing individuals' and businesses' financial data. You will analyze statements, verify income, and prepare detailed reports to support credit decisions.

The role requires strong communication, proficiency with Microsoft Office and analysis software, and a bachelor’s degree in accounting, economics, finance, statistics, or mathematics. Apply with confidence.

Qualifications

• Excellent verbal and written communication skills.
• Proficient in Microsoft Office Suite and analysis software.
• Bachelor’s degree in Accounting, Economics, Finance, Statistics, or Mathematics.
• Ability to identify discrepancies and problems.

Responsibilities

• Analyzes credit data and financial statements to identify risk.
• Verifies employment and income; reviews credit reports for individuals.
• Compares business liquidity, profitability, and credit histories.
• Uses software to evaluate financial status and compute ratios.
• Prepares loan applications and reports on risk; recommends approval or denial.
• Sets interest rate and repayment terms based on earnings and history.
• Performs other duties as assigned.

Skills

Verbal communication

Written communication

Analytical skills

Education

Bachelor’s degree in Accounting, Economics, Finance, Statistics, or Mathematics

Tools

Microsoft Office Suite

Analysis software

Job description

VETERANS ARE ENCOURAGED TO APPLY

The Credit Analyst will review the creditworthiness of individuals or businesses to determine the risk involved in lending money or extending credit.

Responsibilities

• Analyzes credit data and financial statements of individuals or businesses to identify the degree of risk involved in lending money or extending credit.
• For individuals, performs research to verify employment and income, inspects reports from credit reporting agencies, and reviews FICO scores.
• For businesses, compares to similar businesses in terms of liquidity, profitability, and credit histories.
• Uses computer software to further evaluate customers’ financial status and produce financial ratios.
• Compiles information, completes loan applications, and composes reports detailing the degree of risk involved in loan or credit request; recommends approval or denial based on results.
• Sets interest rate and minimum or maximum term of repayment for customers based on earnings, savings data, payment history, and purchase activity.
• Determines the expected profitability of loans by analyzing a business’s financial data including quality of management, income growth, and market shares.
• Resolves customer complaints and verifies transactions through consultation.
• Identifies delinquent accounts through the review of individual or commercial customer files.
• Performs other related duties as assigned.

Requirements

• Excellent verbal and written communication skills.
• Proficient in Microsoft Office Suite or related software, as well as analysis software.
• Basic understanding of relevant equipment, policies, procedures, and strategies used in credit analysis.
• Ability to identify discrepancies and problems.
• Bachelor’s degree in Accounting, Economics, Finance, Statistics, or Mathematics required.

Physical Requirements

• Lifting up to 25 lbs. may be required infrequently.
• Must be able to remain in a stationary position 50% of the time.
• Constantly operates a computer and other office productivity machinery, such as a calculator, copy machine, and computer printer.

Benefits

• Medical, dental, life and vision insurance
• 401(k) Retirement Plan and Match
• Paid Time Off
• Specified Paid Holidays

Disclaimer

This job description is a general outline of the day-to-day duties to be expected and may not cover all job responsibilities that may be assigned by management.