credit assessment analyst

Chinmay Finlease Limited

<p><b>Job Title: Credit Analyst</b></p><p><b>Experience: 1-3 yr</b></p><p><b>Job Summary:</b></p><p>As a Credit Analyst, you will be responsible for evaluating the creditworthiness of individuals</p><p>applying for loans. You will assess financial information such as income statements, and</p><p>credit reports to determine the risk involved in extending credit to the applicant. You will</p><p>analyze the information provided by the borrower to determine if the loan is suitable for the</p><p>applicant and if the applicant is suitable for the loan. You will also review loan agreements</p><p>to ensure that the terms and conditions of the loan are appropriate.</p><p><b>Key Responsibilities:</b></p><ul><li>Collect and analyze financial data of applicants to determine their creditworthiness</li><li>Evaluate credit risk, develop credit profiles, and recommend appropriate credit limits</li><li>Analyze financial statements, credit reports, and other relevant information to</li><li>Determine the creditworthiness of potential borrowers</li><li>Verify the accuracy of financial data and ensure that all financial statements comply</li><li>with relevant regulations</li><li>Assess the borrower's ability to pay back the loan by reviewing the borrower's</li><li>Financial history, credit score, and other financial data</li><li>Communicate with borrowers to obtain additional financial information or to discuss their credit status</li><li>Monitor borrowers' creditworthiness and financial performance over time to assess credit risk and identify potential problems</li><li>Work closely with loan officers to ensure timely processing of loan applications</li><li>Keep up-to-date with changes in lending practices, regulations, and credit risk assessment tools</li></ul><p><b>Requirements:</b></p><ul><li>Bachelor's degree in finance, accounting, or a related field</li><li>Strong analytical skills, including the ability to analyze financial statements and credit</li><li>reports</li><li>Knowledge of lending practices, credit risk assessment tools, and regulatory</li><li>compliance</li><li>Excellent communication skills, including the ability to communicate complex</li><li>Financial information to non-financial stakeholders</li><li>Strong attention to detail and the ability to work independently</li><li>Proficiency in Microsoft Office, including Excel, Word, and PowerPoint.</li><li>Ability to work well under pressure and meet tight deadlines</li></ul><p>Job Types: Full-time, Permanent</p><p>Pay: ₹30,000.00 - ₹40,000.00 per month</p><p>Benefits:</p><ul><li>Flexible schedule</li><li>Health insurance</li><li>Leave encashment</li><li>Paid sick time</li><li>Paid time off</li><li>Provident Fund</li></ul><p>Experience:</p><ul><li>total work: 1 year (Required)</li></ul><p>Work Location: In person</p>

Credit Analyst

Innotech Creditsea Platforms Private Limited

<p>Company: CreditSea</p><p>About Us:</p><p>CreditSea is a fintech platform providing quick, transparent, and reliable loan solutions to individuals in need. We focus on customer-centric lending with strong risk and credit practices.</p><p>Role Overview:</p><p>We are hiring a Credit Analyst to assess loan applications, analyze credit risk, and support responsible lending decisions. The role involves working closely with risk and underwriting teams.</p><p>Key Responsibilities:</p><ul><li>Evaluate loan applications and credit reports</li><li>Analyze financial data and assess credit risk</li><li>Prepare credit recommendations and reports</li><li>Monitor loan performance and ensure policy compliance</li></ul><p>Requirements:</p><ul><li>Bachelor&rsquo;s degree in Finance, Economics, Accounting, or related field</li><li>Strong analytical and decision-making skills</li><li>Prior experience in credit analysis preferred</li></ul><p>Job Type: Full-time</p><p>Work Location: In person</p><p>Job Types: Full-time, Permanent</p><p>Pay: ₹18,000.00 - ₹22,000.00 per month</p><p>Benefits:</p><ul><li>Cell phone reimbursement</li><li>Leave encashment</li><li>Paid sick time</li></ul><p>Work Location: In person</p>

Mulligan Funding, LLC

<div><div><i>Headquartered in San Diego, Mulligan Funding serves as a leading provider of working capital (Up to $5M) to the small and medium-sized businesses that fuel our country. Since 2008, we have prided ourselves on our collaborative, innovative, and customer-focused approach. Enjoying a period of unprecedented growth, driven by the combination of cutting-edge technology, human touch, and unwavering integrity, we are looking to add to our people first culture, with highly motivated and results-oriented professionals, to push the limits of what&rsquo;s possible while creating value for all of our partners.</i></div><div></div><div><br>
As a <i>Credit Analyst II</i>, you will work closely with experienced credit analysts and underwriters, gaining practical knowledge in financial analysis, risk assessment, and credit decision-making. This role is designed to sharpen your knowledge of assessing the creditworthiness of businesses seeking loans.</div>
<h3 class="jobSectionHeader"><b>You will:</b></h3><ul><li>
Analyze financial statements, tax returns, and other financial documents to evaluate the creditworthiness of commercial loan applicants.</li><li>
Assess the financial health of businesses by analyzing key financial metrics, such as liquidity, profitability, and leverage.</li><li>
Prepare credit reports summarizing findings and underwriting recommendations for commercial loan decisions.</li><li>
Collaborate with colleagues to communicate underwriting decisions to loan applicants and address inquiries or provide information.</li><li>
Make underwriting recommendations based on established criteria and policies.</li><li>
Assess the impact of the guarantor on the company&rsquo;s ability to service debt.</li><li>
Performs other duties as assigned.</li></ul><h3 class="jobSectionHeader"><b>
You have:</b></h3><ul><li>
At least 3 years of experience in underwriting or credit analysis, with 2-3 years industry experience being highly desirable.</li><li>
A bachelor&rsquo;s degree in a relevant field such as business, finance, accounting, economics or similar.</li><li>
A solid understanding of GAAP accounting principles and the ability to dissect financial statements and business bank statements.</li><li>
Profound knowledge of the U.S. small business lending landscape, including insights into various industry risk segments.</li><li>
Exceptional organizational, communication, and time management skills.</li><li>
Proficiency in all Microsoft Office products, G-Suite, and the capability to swiftly learn new programs and CRM systems.</li><li>
Superior critical thinking, mathematical, and analytical skills.</li><li>
The capacity to make complex decisions under pressure in a fast-paced setting.</li></ul><h3 class="jobSectionHeader"><b>
We offer:</b></h3><ul><li>
Comprehensive medical, vision and dental benefits that give you peace of mind.</li><li>
Flexible Spending Accounts (FSA) that let you use pre-tax dollars to cover healthcare expenses.</li><li>
A fantastic 401K with matching contributions that helps you plan for retirement and build wealth over time.</li><li>
Generous sick, vacation, and holiday benefits that give you the time and flexibility you need to enjoy life.</li><li>
A gym membership contribution that supports your well-being, and helps you stay energized and focused.</li><li>
An internal referral program that rewards you for bringing talented people to the team.</li><li>
Company events that foster a positive and inclusive culture, and create opportunities to bond and grow with your colleagues.</li></ul><div>
A reasonable estimate of the salary range for this role is $36.06 to $45.67 per year. In order to provide a competitive compensation package, Mulligan Funding takes into account a variety of factors including but not limited to market compensation data, relevant experience, skills, education, and certifications.</div><div>
Mulligan Funding is an Equal Opportunity Employer (EOE) and takes great pride in building a diverse work environment. Qualified applicants are considered for employment without regard to age, race, religion, gender, national origin, sexual orientation, disability or veteran status.</div>
<p>
We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.</p></div>

Credit Analyst II

Lansing Building Products

Lansing Building Products has supplied professional contractors with high-quality building products since its founding in 1955. Led by third generation President & CEO Hunter Lansing, we remain true to the family values and mission of Respect, Service and Excellence in everything we do. A certified Great Place To Work™, Lansing has nearly 2,000 associates in 112 branches serving customers in 35 states along with Home Office locations in Richmond, VA and Waltham, MA. We exist to make a positive impact in people’s lives and are focused on delivering a best-in-class experience to our associates and our customers.
<br><br>
Credit Analyst
<br>The Credit Analyst is responsible for processing/decisioning on credit applications and resolving credit-related issues through addressing incoming phone calls and emails from Lansing branch Associates and customers. Account maintenance is performed as needed to include sales change updates, address changes and account merge/close.
<br>Essential Functions
<br>Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
<br><ul>
<li>Review credit applications for accuracy.</li>
<li>Pull credit reports, request supplier references, and gather needed information from Sales Associates to facilitate credit limit decisioning.</li>
<li>Independently determine the appropriate credit limit for submitted applications and rechecks on existing customer accounts up to $50k approval level.</li>
<li>Handle incoming phone calls and emails from Lansing Associates and Customers to accept payments and resolve credit-related issues. Involves decision-making on managing past due accounts, responding to billing questions, and reconciliation of accounting records with customers.</li>
<li>Perform account set-up in an accurate manner.</li>
<li>Responsible for account maintenance requested from Sales Associates and Customers.</li>
<li>Other duties assigned.</li>
</ul>
Qualifications
<br><ul>
<li>Ability to handle high transaction volume.</li>
<li>Ability to manage multiple tasks and meet deadlines.</li>
<li>Ability to work with a strong attention to detail.</li>
<li>Strong problem solving/decision-making skills.</li>
<li>Strong customer focus.</li>
<li>Ability to work effectively in a team environment.</li>
<li>Ability to reconcile accounting records.</li>
<li>Communication Proficiency.</li>
<li>Basic proficiency with Excel and Word.</li>
</ul>
Supervisory Responsibility
<br>This position has no supervisory responsibilities.
<br>Work Environment
<br>This job operates in a professional office environment.
<br>Physical Demands
<br>This is largely a sedentary role, requiring use of typical office equipment such as a computer, phone, copier, check scanner, etc.
<br>Position Type and Expected Hours of Work
<br>This is a full-time position. Normal days and hours of work are Monday through Friday, 8 a.m. to 5 p.m. in office. As a salaried position overtime may occasionally be necessary.
<br>Travel
<br>Very limited travel is expected for this position for potential physical inventory or customer related events.
<br>Required Education and Experience
<br><ul>
<li>High school diploma.</li>
<li>2 years related experience.</li>
<li>Bachelor's degree is a plus, but not required.</li>
</ul>
ALJ123
<br>#LI-KW1
<br><br>
<b>A Career with Lansing Building Products offers:</b><br>
<ul>
<li>Coverage to support your overall well-being: Medical, Dental, Vision, HSA with company contributions, Health Advocate and EAP</li>
<li>Investment in your future: Competitive 401k, Employer Match of 50% up to 15% of salary</li>
<li>Culture: Great Place to Work Certified every year since 2019</li>
<li>Work/Life Balance: Paid Vacation & Sick Days</li>
<li>Growth/Development: Tuition Reimbursement & Training Programs</li>
</ul>
<b>Other Added Benefits:</b><br>
<ul>
<li>Company Paid Parental Leave</li>
<li>Company Paid Life Insurance</li>
<li>Short Term & Long-Term Disability</li>
<li>Paid Holidays</li>
<li>Health and Wellness program</li>
<li>Volunteer Time</li>
</ul>
Lansing Building Products is proud to be an equal opportunity workplace committed to building a diverse team of qualified individuals.

Navitas Credit Corp

<div>Overview:
<div></div><div>
As a <b>Credit Analyst</b>, you&rsquo;ll assess creditworthiness for end‑user and vendor applications and partner closely with our sales organization. You&rsquo;ll apply Navitas&rsquo; credit guidelines to approve or decline transactions, recommend decisions on items outside your authority, and help optimize processes to improve speed and quality.</div><br>
<div></div>
What You&rsquo;ll Do:<div></div><div><div><br>
</div></div><ul><li><b>
Evaluate credit risk</b> by analyzing financial statements, tax returns, personal credit reports, D&amp;B reports, and other third‑party sources.</li><li><b>
Decide and recommend</b> credit outcomes within delegated authority; provide recommendations for transactions outside authority in line with Navitas guidelines.</li><li><b>
Partner with sales</b> to answer questions, obtain missing information, and provide clear justification for credit decisions.</li><li><b>
Improve processes</b> by identifying efficiency opportunities and recommending enhancements.</li><li><b>
Deliver on deadlines</b> by prioritizing workload and completing assignments on time.</li></ul><br>
<div></div>
Requirements For Success:<div></div><div><div><br>
</div></div><ul><li><b>
Education &amp; Experience:</b> Bachelor&rsquo;s degree preferred, <i>or</i> 1&ndash;2 years of related experience/training, <i>or</i> an equivalent combination of education and experience. Prior experience in the <b>equipment leasing or loan industry</b> is strongly preferred.</li><li><b>
Technical Skills:</b> Proficiency with <b>Excel</b>, <b>Adobe Acrobat</b>, and <b>Microsoft Office</b>. Strong mathematical skills and the ability to synthesize complex or diverse information.</li><li><div><b>
Analytical Strength:</b> Able to research, interpret, and evaluate financial statements, tax returns, credit reports, and D&amp;B data. Uses intuition and experience to complement data and make sound credit decisions.</div></li><li><b>
Problem Solving:</b> Demonstrates skillful, timely issue resolution; comfortable gathering and analyzing information to support decisions. Works well in group problem‑solving settings.</li><li><b>
Time &amp; Task Management:</b> Exceptionally organized, detail‑oriented, and capable of managing multiple priorities under tight deadlines. Able to continually prioritize and re‑prioritize in a fast‑paced environment.</li><li><div><b>
Judgment &amp; Reasoning:</b> Applies general guidelines to non‑standard circumstances and can reason effectively across varied situations&mdash;similar and non‑similar.</div></li><li><b>
Communication &amp; Collaboration:</b> Excellent written and verbal communication skills, including the ability to deliver negative information to external customers professionally and constructively. Works effectively with peers, subordinates, managers, and internal/external partners.</li><li><b>
Resilience:</b> Able to perform effectively under pressure and handle demands from both internal teams and external customers.</li></ul><br>
<div></div>
Conditions of Employment:
<div><b>
Conditions of Employment:</b></div><ul><li>
Must be able to pass a background &amp; credit check</li><li>
This is a full-time, non-remote position</li></ul><div><b>
FLSA Status: Exempt</b></div><div></div><div><b><br>
Ready to take your career to the next level? Apply now and become a vital part of our team!</b></div><div></div><div><br>
We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state, or local protected class.</div><div></div><div><br>
Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.</div>
Pay Range: USD $42,061.00 - USD $64,465.00 /Yr.</div>

United Community Bank

ADIB - Abu Dhabi Islamic Bank

<div>
 <br/>
 <br/>
 <strong>
  Role: Credit Analyst
  <br/>
 </strong>
 <strong>
  Location: Abu Dhabi/Sharjah
  <br/>
  <br/>
 </strong>
 <strong>
  Role purpose:
  <br/>
  <br/>
 </strong>
 Provide full support to branches and DSU&rsquo;s by reviewing and processing proposed finance applications in a timely fashion and within approved polices&nbsp;
 <br/>
 &nbsp;&nbsp;&nbsp;&nbsp;
 <br/>
 <strong>
  Key accountabilities of the role:
 </strong>
 &nbsp;&nbsp;
 <br/>
 <br/>
 <br/>
 <li>
  Examining credit Application for completeness and timeliness of information, noting exceptions for correction.
  <ul>
   <li>
    Preparation of error free credit docs
   </li>
   <li>
    Vigilance in applying de-dupes
   </li>
   <li>
    Observing agreed TAT.
   </li>
   <li>
    &nbsp;Compliance policies and satisfactory Risk&nbsp;Rating.
   </li>
  </ul>
 </li>
 <li>
  Analyze Bank Statements so as assess its genuineness, continuity, business turnovers, cheque returns, average balances and to observe if there is any chance of artificial fabrication of such statements.
 </li>
 <li>
  Analyze applicant&rsquo;s financial statements and comment on its findings (where required).
 </li>
 <li>
  &nbsp;Check customer&rsquo;s status through de-dupes/CBRB.
 </li>
 <li>
  Meeting the minimum daily targets assigned by management while maintaining the lowest level of errors as measured by the score card.&nbsp;
 </li>
 <li>
  Escalate cases requiring higher DP with full analysis and recommendations to facilitate their decision making&nbsp;
 </li>
 <li>
  Demonstrate full and up to date knowledge of ADIB&rsquo;s products, policies and procedures.&nbsp;
 </li>
 <li>
  Proactively and continually make and recommend system changes and enhancements, also&nbsp;ensure that all procedures and policies are implemented and being followed in compliance with organization.
 </li>
 <li>
  Demonstrate full team spirit and positive attitude.
 </li>
 <li>
  Perform any other responsibilities entrusted by ADIB Management from time to time and any other task assigned by Management
 </li>
 <br/>
 <br/>
 <br/>
 <br/>
 <strong>
  Results required:
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Support business in achieving monthly budget &amp; targets while maintaining highest quality portfolio
  </li>
  <li>
   Additional support to business in capturing customers within the acceptable parameters without violating CB regulations.&nbsp;
  </li>
  <li>
   Contribute positively to the daily underwriting activities&nbsp;
  </li>
  <li>
   Improve communication branches and DSU&rsquo;s as being internal customers
  </li>
  <li>
   Provide constructive comments and feedback on proposed finance applications&nbsp;
  </li>
  <li>
   Compliance of policies &amp; procedures &ndash; Comply and perform Key operational controls as required in ADIB&rsquo;s polices &amp; procedures in day-to-day operations.
  </li>
 </ul>
 <br/>
 <br/>
 <strong>
  Specialist skills / technical knowledge required for this role:
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Good credit and analytical skills and knowledge&nbsp;
  </li>
  <li>
   Minimum 3 years of practical banking experience preferably in the finance &amp; credit field&nbsp;
  </li>
  <li>
   Detailed knowledge of ADIB&rsquo;s Retail Banking credit products &amp; services
  </li>
  <li>
   Broad knowledge of ADIB&rsquo;s Retail Credit &amp; Operational Policies &amp; Procedures
  </li>
  <li>
   Good Knowledge of UAE banking practices, regulations &amp; risks
  </li>
  <li>
   Good communication skills
  </li>
  <li>
   Good Computer Skills
  </li>
 </ul>
</div>


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