Credit Analyst - Corporate Banking

Placements24; United States; A distancia; USD 55.000 - 75.000; Jornada completa

Descripción de la vacante

Placements24 is seeking a detail-oriented Credit Analyst for its Corporate Banking division. This fully remote role focuses on evaluating financial statements, conducting credit analysis, and preparing credit applications for a diverse corporate portfolio.

You will partner with Relationship Managers to understand client needs, monitor loan performance, and ensure adherence to regulatory and bank policies while contributing to informed lending decisions.

Formación

• Strong ability to analyze financial statements and cash flows for credit risk.
• Proficient in ratio analysis and financial modeling in Excel.
• Clear, concise written and verbal communication; ability to explain complex findings.

Responsabilidades

• Analyze financial statements, cash flows, collateral, and industry conditions to assess creditworthiness of corporate clients.
• Prepare comprehensive credit reports and recommendations for loan facilities, renewals, and modifications.
• Monitor loan portfolios for risks and ensure compliance with covenants and bank policies.
• Collaborate with Relationship Managers to understand client needs and provide timely credit analysis support.

Conocimientos

Financial statement analysis

Ratio analysis

Cash flow evaluation

Excel for financial modeling

Analytical thinking & communication

Educación

Bachelor's degree in Finance/Accounting/Economics

Herramientas

Microsoft Excel

Descripción del empleo

About the Role

Our client, a dynamic financial institution, is seeking a detail-oriented and analytical Credit Analyst to join their Corporate Banking division. This position is fully remote, offering the flexibility to work from anywhere while contributing to the assessment and management of credit risk for a diverse portfolio of corporate clients. You will play a vital role in evaluating financial statements, conducting credit analysis, and preparing credit applications. This is an excellent opportunity for a finance professional with strong analytical skills to advance their career in credit risk management within the vibrant Banking & Finance sector, contributing to informed lending decisions and the bank's overall financial health. You will work closely with relationship managers to ensure sound credit underwriting.

Key Responsibilities

• Analyze financial statements, cash flow, collateral, and industry conditions to assess the creditworthiness of corporate clients.
• Prepare comprehensive credit reports and recommendations for new loan facilities, renewals, and modifications.
• Monitor existing loan portfolios for potential risks and ensure compliance with loan covenants.
• Partner with Relationship Managers to understand client needs and provide timely credit analysis support.
• Conduct due diligence and research on potential borrowers and their respective industries.
• Ensure all credit documentation is accurate, complete, and in compliance with bank policies and regulatory requirements.
• Assist in identifying early warning signs of deteriorating credit quality and recommending appropriate actions.
• Stay updated on credit best practices, economic trends, and regulatory changes affecting corporate lending.

Requirements

• Bachelor's degree in Finance, Accounting, Economics, or a related quantitative field.
• 1-3 years of experience in credit analysis, financial analysis, or a related role within the financial services industry.
• Strong understanding of financial statement analysis, ratio analysis, and cash flow evaluation.
• Proficiency in Microsoft Excel for financial modeling and data analysis.
• Excellent analytical, problem-solving, and critical thinking skills.
• Strong written and verbal communication skills, with the ability to articulate findings clearly and concisely.
• Ability to work independently, manage multiple deadlines, and maintain a high level of accuracy in a remote setting.
• Knowledge of commercial loan structures and documentation is a plus.

Benefits

Our client offers a competitive salary, potential for performance-based bonuses, and a comprehensive benefits package including health, retirement savings, and paid time off. We are committed to professional growth and provide ongoing training and development opportunities. This fully remote role offers exceptional work-life balance and the chance to build a successful career in credit analysis within the Banking & Finance sector, contributing to sound financial decision-making from anywhere. You'll be joining a supportive and collaborative remote team.