Credit Analyst: Underwrite & Analyze Credit Risk

ADP, Inc.; Charleston (SC); On-site; USD 65,000 - 90,000; Full time

Job summary

ADP, Inc. in Charleston, SC, seeks a Credit Analyst to provide credit analysis and underwriting support for lending activities across commercial, real estate, and consumer portfolios.

The role involves analyzing financial statements, evaluating creditworthiness, preparing credit memos, and assisting with portfolio monitoring in line with lending policies and risk-management standards.

Qualifications

• Previous experience in commercial banking, credit analysis, loan underwriting, financial analysis, or a related field is preferred.
• Strong understanding of financial statements and accounting principles.
• Ability to analyze complex financial information and identify credit risks.
• Strong written and verbal communication skills with independent thinking.
• Excellent attention to detail and organizational skills.
• Ability to manage multiple assignments and meet deadlines.

Responsibilities

• Analyze financial statements, tax returns, credit reports to evaluate borrower creditworthiness.
• Perform detailed analysis of historical and projected financial performance (revenue, profitability, liquidity).
• Calculate and interpret financial ratios, DSCR, LTV, and cash flow.
• Assess repayment sources and identify primary/secondary sources of repayment.
• Review collateral information, lien position, guarantor support, and risk factors.
• Assist with new loan requests, renewals, modifications, and annual reviews.
• Support portfolio monitoring and credit risk identification.
• Assist with examinations, audits, and regulatory requests as needed.
• Maintain knowledge of lending policies and credit standards.

Skills

Credit analysis

Financial analysis

Loan underwriting

Communication

Detail-oriented

Team collaboration

Tools

Excel

Word

Microsoft Office

Job description

ADP, Inc. in Charleston, SC, seeks a Credit Analyst to provide credit analysis and underwriting support for lending activities across commercial, real estate, and consumer portfolios.

The role involves analyzing financial statements, evaluating creditworthiness, preparing credit memos, and assisting with portfolio monitoring in line with lending policies and risk-management standards.