Credit Risk Analyst

Placements24; Gallup (NM); Hybrid; USD 65,000 - 90,000; Full time

Benefits offered by this job

Hybrid work model

Job summary

Placements24 is seeking a meticulous Credit Risk Analyst to join their team in George, NM. The role involves assessing borrower creditworthiness, managing credit portfolios, and helping minimize financial risk for the institution.

You will evaluate loan applications, monitor portfolio performance, and develop risk mitigation strategies while ensuring compliance with regulatory requirements and internal credit policies.

Qualifications

• Bachelor's degree in Finance, Economics, Statistics, or related quantitative field.
• Experience in credit analysis, risk management in financial services.
• Understanding of financial statements, credit analysis techniques, risk mitigation strategies.
• Proficiency in data analysis tools and statistical software (Excel, SAS, Python).
• Excellent analytical skills and attention to detail.

Responsibilities

• Evaluate loan applications and assess the credit risk associated with individuals and businesses.
• Develop and implement credit scoring models and risk assessment frameworks.
• Monitor the performance of the credit portfolio, identifying trends and potential areas of concern.
• Prepare detailed reports on credit risk exposure, loan quality, and portfolio performance for management.
• Ensure compliance with regulatory requirements and internal credit policies.

Skills

Credit risk analysis

Data analysis

Financial statement understanding

Regulatory compliance understanding

Education

Bachelor's degree in Finance, Economics, Statistics, or related quantitative field

Tools

Excel

SAS

Python

Job description

About the Role

Our client is seeking a meticulous Credit Risk Analyst to join their dynamic team in George . This critical role involves assessing the creditworthiness of potential borrowers and managing existing credit portfolios to minimize financial risk. You will play a key part in evaluating loan applications, monitoring loan performance, and developing strategies to mitigate credit exposure. This is an exciting opportunity for a risk-focused professional to make a significant impact within a well-established financial institution, contributing to sound lending practices.

Key Responsibilities

• Evaluate loan applications and assess the credit risk associated with individuals and businesses.
• Develop and implement credit scoring models and risk assessment frameworks.
• Monitor the performance of the credit portfolio, identifying trends and potential areas of concern.
• Prepare detailed reports on credit risk exposure, loan quality, and portfolio performance for management.
• Ensure compliance with regulatory requirements and internal credit policies.

Requirements

• Bachelor's degree in Finance, Economics, Statistics, or a related quantitative field.
• Demonstrated experience in credit analysis , risk management, or a related role within the financial services industry .
• Strong understanding of financial statements, credit analysis techniques, and risk mitigation strategies.
• Proficiency in data analysis tools and statistical software (e.g., Excel, SAS, Python).
• Excellent analytical skills, attention to detail, and the ability to make sound judgments.

Benefits

• Competitive salary package and potential for performance incentives.
• Access to comprehensive medical and retirement benefits.
• Hybrid work model offering flexibility between office and remote work in George .
• Opportunities for career advancement and specialized training in risk management.
• A collaborative and professional work atmosphere.