credit assessment analyst

NJT FINANCE PRIVATE LIMITED

About the Company: NJT Finance Private Limited is a leading NBFC specializing in business loans for SMEs and MSMEs. We are committed to providing fast, flexible, and reliable credit solutions to support business growth.Role Overview: The Credit Analyst will be responsible for assessing loan applications, analyzing financial documents, evaluating creditworthiness, and recommending loan decisions in line with internal policies and risk frameworks.Key Responsibilities:<ul><li>Evaluate business loan proposals received from sales teams and channels.</li><li>Analyze financial statements, bank statements, GST returns, ITRs, and other business documents.</li><li>Conduct background checks, market references, and due diligence on applicants.</li><li>Perform credit risk assessment and prepare detailed credit appraisal notes.</li><li>Recommend sanction decisions within defined authority levels or escalate for approval.</li><li>Coordinate with Operations, Sales, and Risk teams for smooth processing.</li><li>Ensure compliance with company credit policies and regulatory guidelines.</li></ul>Required Qualifications &amp; Skills:<ul><li>CA Intermediate/Master&rsquo;s degree in Finance, Commerce, Business, or related fields.</li><li>2 years of experience as a Credit Analyst / Underwriter in NBFC/Bank (Business Loans / SME Loans preferred).</li><li>Strong knowledge of financial statement analysis, cash flow assessment, and credit risk evaluation.</li><li>Proficiency in MS Excel and financial ratio analysis.</li><li>Good communication, documentation, and decision-making skills.</li></ul>Job Type: Full-timePay: &#8377;25,000.00 - &#8377;35,000.00 per monthWork Location: In person

Credit Analyst

UBL UAE

<div>
 
 UBL UAE is seeking for a highly analytical and detail-oriented professional to join our Financial Institutions team as Credit Analyst. The ideal candidate will be responsible for evaluating the creditworthiness of banks, non-banking financial companies (NBFCs), and insurance firms. This role requires a solid understanding of financial analysis, regulatory frameworks, and market dynamics impacting financial institutions.
 
 
 
 
 
 
 
 Key Responsibilities
 
 
 
 
 
 
 
 
 1. Credit Evaluation &amp; Risk Assessment
 
 
 <ul>
 <li>
 Conduct in-depth credit assessments of counterparties including banks, NBFCs, and insurance firms using financial, regulatory, and qualitative criteria.
 </li>
 <li>
 Prepare comprehensive credit proposals, assign internal risk ratings, and recommend appropriate exposure limits.
 </li>
 <li>
 Evaluate entity-level risks including capital adequacy, asset quality, funding and liquidity profiles, earnings stability, and management quality.
 </li>
 </ul>
 
 
 2. Portfolio Management &amp; Risk Monitoring
 
 
 <ul>
 <li>
 Continuously monitor the credit portfolio for early warning signals, deteriorating credit metrics, and industry developments.
 </li>
 <li>
 Ensure periodic credit reviews are completed in line with internal policies and regulatory guidelines (e.g., Basel norms).
 </li>
 <li>
 Track macroeconomic, regulatory, and sectoral developments affecting portfolio counterparties.
 </li>
 </ul>
 
 
 3. Credit Support &amp; Stakeholder Coordination
 
 
 <ul>
 <li>
 Work closely with Relationship Managers (RMs) to support deal structuring, credit analysis, and approval processes.
 </li>
 <li>
 Present credit assessments and recommendations to Credit Committees.
 </li>
 <li>
 Ensure effective alignment of risk appetite with business objectives and transaction structures.
 </li>
 </ul>
 
 
 4. Relationship Management &amp; Market Intelligence
 
 
 <ul>
 <li>
 Develop and maintain relationships with senior stakeholders across financial institutions.
 </li>
 <li>
 Stay abreast of market trends, regulatory changes, monetary policies, and liquidity movements to proactively assess risks and opportunities.
 </li>
 </ul>
 
 
 5. Product Expertise &amp; Structuring
 
 
 <ul>
 <li>
 Demonstrate strong knowledge of FI-specific products such as:
 </li>
 <li>
 Trade Finance
 </li>
 <li>
 Syndicated Lending
 </li>
 <li>
 Custody Services
 </li>
 <li>
 Liquidity Management Solutions
 </li>
 <li>
 Provide input on product structuring and tailor credit solutions that balance client needs with the bank&rsquo;s risk appetite.
 </li>
 </ul>
 
 
 
 
 
 
 Key Requirements:
 
 
 
 
 
 
 <ul>
 <li>
 Bachelor's/Master&rsquo;s degree in Finance, Economics, Accounting, or related field; CFA/FRM qualifications are a plus.
 </li>
 <li>
 4&ndash;6 years of relevant experience in credit analysis or risk management within a bank or financial institution.
 </li>
 <li>
 In-depth knowledge of regulatory and rating frameworks.
 </li>
 <li>
 Excellent written and verbal communication skills for effective report writing and presentations.
 </li>
 <li>
 Strong stakeholder management and collaboration skills.
 </li>
 <li>
 Analytical mindset with the ability to manage multiple priorities in a fast-paced environment.
 </li>
 <li>
 Strong financial statement analysis and credit modelling skills.
 </li>
 </ul>
</div>

Credit Analyst - Financial Institutions

Loyal To Cumbria

We are looking for a diligent and detail-oriented Credit Analyst to join our finance team. The Credit Analyst will be responsible for assessing the creditworthiness of individuals, businesses, and organizations to support sound lending and investment decisions. This role involves analyzing financial data, preparing credit reports, and providing recommendations that balance risk with business opportunity. The ideal candidate has strong analytical skills, solid financial knowledge, and the ability to make objective, data-driven decisions.Key Responsibilities<ul><li>Evaluate the financial health of prospective and existing clients by analyzing financial statements, credit reports, and payment histories</li><li>Assess credit risk using quantitative models, ratio analysis, and other financial metrics</li><li>Prepare detailed credit assessments and present recommendations to management or credit committees</li><li>Monitor existing credit accounts for signs of deteriorating performance or potential risk exposure</li><li>Assist in setting appropriate credit limits and terms based on financial analysis and company policies</li><li>Conduct market and industry research to assess external factors that may impact credit risk</li><li>Support the development and implementation of credit risk management strategies and procedures</li><li>Collaborate with sales, finance, and legal teams to ensure alignment on credit policies and customer management</li><li>Maintain accurate and organized credit files and ensure compliance with company and regulatory requirements</li><li>Prepare regular reports and updates on credit portfolio performance</li></ul>QualificationsEducation:Bachelor s degree in Finance, Accounting, Economics, or a related fieldSkills<ul><li>Strong analytical and quantitative abilities with excellent attention to detail</li><li>Proficiency in Excel and financial analysis software; experience with systems such as Moody s RiskCalc, S&amp;P Capital IQ, or Bloomberg is an asset</li><li>Ability to interpret complex financial data and present findings clearly and concisely</li><li>Excellent written and verbal communication skills</li><li>Strong judgment and decision-making skills in evaluating credit risk</li><li>Ability to work independently and collaboratively in a fast-paced environment</li></ul>

Fusion Group Holding

We are looking for Credit Analyst who manage credit analysis with real estate developers, investment companies, property holding groups, or firms executing large commercial, residential, or mixed-use projects. These candidates must:<ul><li>Have proven track records managing credit analysis for real estate developers or investors</li><li>Understand project-based financing, construction loan structuring, escrow mechanisms, lease rental discounting, etc.</li><li>Be familiar with Regulatory guidelines, project viability assessment, and corporate due diligence</li><li>Have dealt with portfolios involving land acquisition, construction stage financing, or income-generating commercial assets</li></ul>Role Objective:The Credit Analyst will provide operational and analytical support to the Real Estate section in preparing Credit proposals/applications, ensuring effective monitoring of all aspects of business in terms of credit quality, as per the internal policies and procedures, QCB guidelines and other relevant regulatory framework. The job holder will identify, measure, monitor, control and perform periodic reviews of the risk inherent in the allotted portfolios. The incumbent will analyze customer strengths and weaknesses, providing recommendations, noting any deviations from the policies, and terms, as appropriate, and will prepare and review annual or quarterly reports as appropriate for the portfolios.Detailed Roles and Responsibilities:&middot; Perform all activities, as assigned by the reporting authority, in compliance with regulatory guidelines, and internal policies and procedures.&middot; Prepare credit proposals with appropriate interpretations on the financial aspects and identify the risk factors and suggest credit enhancers, as applicable, in consistent with the Credit policies and regulatory framework and provide recommendations.&middot; Ensure Internal Credit Rating and RAROC is carried out for all lending clients and update same on annual basis or as and when a new facility is granted, new information available etc.&middot; Review to ensure that all credit documents are complete, by identifying documentation deficiencies, if any and report to the respective employees, for timely resolution.&middot; Liaise with the respective employees, for clarifications/ rectifications on account of incompleteness of information provided, and to ensure all the Credit applications are completed within the set turnaround time.&middot; Contribute towards continuous development of credit procedures by recommending solutions and/or ascertaining capacities for enhancement.&middot; Review to ensure submission of all required documents in relation to the credit processing, including but not limited to Commercial Registrations, etc.&middot; Promptly respond to and/or escalate requests and/or queries raised by the internal and external customers and the Compliance function within prescribed authority as directed.&middot; Coordinate with Risk Management function with respect to new/ renewal of limits/input of limits and other related aspects.&middot; Ensure prompt filing of all documents, including but not limited to applications, credit documents, Swift transfers, deposits and other records, approvals, security documents, and other correspondences, in the prescribed order of documents filing.&middot; Promptly respond to and/or escalate requests and/or queries raised by the internal and external customers, as directed by the reporting authority.&middot; Perform periodic review/monitoring of the customer accounts, in line with the limits, credit policies and QCB regulations.&middot; Monitor customer activities in relation to market conditions, conduct of account and other factors, as applicable, to protect Bank&rsquo;s interests and arrange appropriate classification of accounts.Qualifications and Experience:&middot; University graduate with a degree in Business or Banking or Finance or any other related discipline.&middot; Master&rsquo;s degree in management any other related discipline will be an added advantage.&middot; 05-08 years of total experience in financial services/banking industry, entailing responsibilities pertaining to the specific area of discipline.&middot; Experience in credit analysis, with strong understanding of the local banking industry.&middot; Professional certification in related area is preferable&middot; we are looking for candidates who have worked on credit proposals, risk assessments, structuring, or client relationship management involving:&middot; Residential and commercial real estate development projects&middot; Real estate investment and holding companies&middot; Hospitality and mixed-use developments&middot; Real estate project financing (including land acquisition, construction financing, leasehold arrangements)&middot; Large portfolio clients operating in the property and real estate sectorJob Type: Full-timeEducation:<ul><li>Bachelor's (Preferred)</li></ul>Experience:<ul><li>Credit Analysit: 5 years (Required)</li><li>Credit Analysis: 4 years (Required)</li><li>Banking &amp; Financial Domain: 4 years (Required)</li><li>GCC: 3 years (Required)</li><li>real estate developers: 4 years (Required)</li></ul>

Credit Analyst (Real Estate )

TD Bank

<div>Work Location:
Philadelphia, Pennsylvania, United States of America
Hours:
40
Pay Details:
$28.25 - $45.00 USD
TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.
As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
Line of Business:
Credit Management
Job Description:
Department Overview:
This Credit Analyst II position is within TD's specialized State &amp; Municipal Credit Management vertical and will be on the Southeastern US team. The Credit Analyst II manages credit activities including underwriting new loan requests and monitoring portfolio risk for governmental borrowers, such as states, counties, cities, towns, townships, boroughs, villages, municipal utilities, transportation authorities, school districts, special districts, special purpose units, centralized public education service entities, public housing authorities and housing finance agencies. 
This role involves completing comprehensive but concise credit write-ups and conducting financial and industry analysis to ensure sound lending decisions that align with the bank's risk appetite and strategic objectives. The ideal candidate will have a strong fundamentals in accounting and credit analysis, is detail-oriented and resourceful with strong research and problem-solving skills, exhibits exemplary writing capabilities and excellent communication skills, has ability to take initiative with a collaborative, flexible and team-oriented mentality, and is a self-starter with the ability to manage multiple priorities and deliver high quality work in a fast-paced environment with stringent deadlines. This is a career path with opportunities for advancement.
The above details are specific to the role which is outlined in the general description below.
The Credit Analyst II is responsible for conducting in-depth industry and financial analysis of existing and potential borrowers. This job works cooperatively to support the Lending and Credit functions of the Bank.
Depth &amp; Scope:
<ul><li>Responsible for financial analysis of moderately complex loans/industries/Customers
</li><li>Works more independently but under the guidance and review of lead staff
</li><li>Good understanding of loan risk factors
</li><li>Researches industry specific information from outside sources, which may include conversation with Borrowers, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the Internet
</li><li>Participates in Customer meetings and make direct inquiry for specific Customer information based on prior research, experience and knowledge (may require travel at times)
</li><li>Integral part of loan origination process. Responsible for performing underwriting analysis of Borrower's character, credit worthiness and financial condition
</li><li>Supports the lending function by providing analytical support
</li><li>Prepares insightful and timely approval memorandums for presentation to appropriate lending and credit authorities
</li><li>Thoroughly analyzes financial statements, management profiles, business and product cycles, cash flow ability, collateral, agings, etc. of future and existing Customers to identify trends, measure performance, assess financial strength and develop an assessment of credit risk
</li><li>May prepare complete written analysis with appropriate recommendations for approval, denial and alternative structure when necessary
</li><li>May maintain credit files, monitor data such as updated financial statements and prepare updated analysis memos
</li><li>Monitors compliance with regulatory requirements
</li><li>Provides written analysis that identifies any deviations from the Company Commercial Loan Policy and becomes familiar with alternative structures in order to reduce credit risk
</li>Achieves operational performance standards in quality and timeliness 
<li>
</li></ul> 
Education &amp; Experience:
<ul><li>4 year degree or equivalent experience
</li><li>2+ years related experience required
</li><li>Developed knowledge of credit and financial analysis techniques.
</li><li>Exhibits the ability to gather, consolidate, analyze and summarize data to provide well-considered recommendations on an increasingly independent basis.
</li><li>Strong oral and written communication skills.
</li><li>Strong analytical and research skills.
</li><li>Developed PC skills including demonstrated proficiency and capability in word processing and spreadsheet software.
</li><li>Ability to multi-task and meet deadlines.
</li><li>Ability to maintain the confidentiality of credit and Customer information.
</li><li>Good interpersonal skills and a team orientation.
</li></ul>Physical Requirements:
Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
<ul><li>Domestic Travel &ndash; Occasional
</li><li>International Travel &ndash; Never
</li><li>Performing sedentary work &ndash; Continuous
</li><li>Performing multiple tasks &ndash; Continuous
</li><li>Operating standard office equipment - Continuous
</li><li>Responding quickly to sounds &ndash; Occasional
</li><li>Sitting &ndash; Continuous
</li><li>Standing &ndash; Occasional
</li><li>Walking &ndash; Occasional
</li><li>Moving safely in confined spaces &ndash; Occasional
</li><li>Lifting/Carrying (under 25 lbs.) &ndash; Occasional
</li><li>Lifting/Carrying (over 25 lbs.) &ndash; Never
</li><li>Squatting &ndash; Occasional
</li><li>Bending &ndash; Occasional
</li><li>Kneeling &ndash; Never
</li><li>Crawling &ndash; Never
</li><li>Climbing &ndash; Never
</li><li>Reaching overhead &ndash; Never
</li><li>Reaching forward &ndash; Occasional
</li><li>Pushing &ndash; Never
</li><li>Pulling &ndash; Never
</li><li>Twisting &ndash; Never
</li><li>Concentrating for long periods of time &ndash; Continuous
</li><li>Applying common sense to deal with problems involving standardized situations &ndash; Continuous
</li><li>Reading, writing and comprehending instructions &ndash; Continuous
</li><li>Adding, subtracting, multiplying and dividing &ndash; Continuous
</li></ul>The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities &amp; duties are considered essential functions for ADA purposes.`
Who We Are:
 
TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.
TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you&rsquo;ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we&rsquo;re here to support you towards your goals. As an organization, we keep growing &ndash; and so will you.
Our Total Rewards Package 
 
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more
Additional Information:
 
We&rsquo;re delighted that you&rsquo;re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we&rsquo;re committed to providing the support our colleagues need to thrive both at work and at home.
 
 
Colleague Development
 
If you&rsquo;re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You&rsquo;ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD &ndash; and we&rsquo;re committed to helping you identify opportunities that support your goals.
 
 
Training &amp; Onboarding
 
We will provide training and onboarding sessions to ensure that you&rsquo;ve got everything you need to succeed in your new role.
 
 
Interview Process
 
We&rsquo;ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.
Accommodation
TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.
If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.</div>

Credit Analyst II - State/Municipal/Utilities

Little Horn State Bank

The Credit Analyst position is a learning and training position that can lead to a future as a lender or other positions within the bank. This position will start in the teller and Operations area of the bank. The position will progress into the backroom of lending &ndash; from gathering data, analyzing cash flows, building financial statements, building loan presentations and verifying information on borrowers. Analyst will have the ability to provide excellent customer service, not only with bank customers but also with co-workers throughout the bank. They would be able to learn quickly and be open to handling a challenging environment daily. The Analyst is responsible for learning compliance and regulations, while generating loans of all types in accordance with established loan and compliance guidelines. This position may have customer interaction ranging from marketing to collection activities. The analyst shall be a contributing member of daily functioning of the bank. Promote the improvement of Little Horn State Bank through quality customer service, promotion of products, professionalism in conduct and diligent work ethic. Greet all customers pleasantly and make them feel welcome. Handle transactions quickly and professionally, use effective listening skills to identify and resolve customer needs.Job Type: Full-timePay: $30,000.00 - $50,000.00 per yearBenefits:<ul><li>401(k)</li><li>401(k) matching</li><li>Dental insurance</li><li>Flexible schedule</li><li>Flexible spending account</li><li>Health insurance</li><li>Health savings account</li><li>Paid time off</li><li>Retirement plan</li><li>Vision insurance</li></ul>Education:<ul><li>High school or equivalent (Preferred)</li></ul>Experience:<ul><li>Fair Housing Regulations: 1 year (Preferred)</li><li>Loan Processing: 2 years (Preferred)</li></ul>Work Location: In person

ThompsonGas

<div>ThompsonGas is the nation&rsquo;s fastest growing propane retailer, and we are looking for innovative, outside of the box thinkers who want to make an impact. We are rethinking the way we do business and, as a result, our employees are empowered to take an idea and run with it. If you are looking for an environment that will allow you the freedom to drive change, create an unrivaled customer experience and have fun while you&rsquo;re doing it &ndash; then ThompsonGas is for you!
We are seeking an Area Credit Analyst to join our growing credit and collections team! This role will support our Coastal Plains area. Reporting to the Director of Quality Assurance, but having dotted lines to area leadership, the Area Credit Analyst will manage all credit and collections activities within assigned territories utilizing company billing, collection, and financial reporting systems.
Essential Job Duties:<ul><li>
Manage all credit and collections activities within assigned territories utilizing available data from company&rsquo;s billing and collection systems.</li><li>
Partner with the Area Vice Presidents and Area Customer Service Managers on achieving and reporting on all collection performances.</li><li>
Monitors and enforces financial policies, procedures, and internal controls relating to the collection process.</li><li>
Review, prepare, and proactive analysis of weekly collection statuses and updates.</li><li>
Key liaison to third party collection agency.</li><li>
Able to comfortably communicate during interaction with internal and external customers.</li><li>
Coordinate late notice administration and maintain credit hold release within assigned territories.</li><li>
Perform comprehensive collections outreach via outbound calls to negotiate payment resolutions and ensure timely recovery.</li><li>
Effectively negotiate with sensitive or high dollar customers during collection or dispute resolution.</li><li>
Monthly Budget renewals, reviews, and collections.</li><li>
Other duties as assigned.</li></ul> 
Education and Experience:<ul><li>
A bachelor&rsquo;s degree in finance or related degree preferred.</li><li>
2+ years of experience in corporate credit and collections environment.</li><li>
Experience in retail energy and gas, specifically propane industry preferred, but not required.</li><li>
Selected candidate must be customer service oriented, a self-starter and highly driven.</li><li>
Advanced system skills and experience with Microsoft Office (Word/Excel) required.</li><li>
Problem solving and analytical skills required.</li><li>
Must be able to effectively overcome objections while balancing Empathy with Collections.</li></ul> 
PERKS WITH US!<ul><li>
Medical, Dental, Vision, and 401k with IMMEDIATE eligibility</li><li>
Disability and life insurance</li><li>
Paid time off that increases with tenure</li><li>
Daily Pay Option that offers great flexibility and financial control</li><li>
Employee training programs with career development/advancement opportunities</li><li>
Employee recognition program</li><li>
Quarterly bonus potential</li><li>
Paid maternal and parental leave benefits</li><li>
Tuition reimbursement program</li></ul> 
ThompsonGas provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability or genetics. In addition to federal law requirements, ThompsonGas complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, and transfer, leaves of absence, compensation and training.</div>

Area Credit Analyst

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9168 credit assessment analyst jobs NEAR_ME

Credit Analyst

Credit Analyst - Financial Institutions

Credit Analyst

Credit Analyst (Real Estate )

Credit Analyst II - State/Municipal/Utilities

Credit Analyst

Area Credit Analyst