credit product analyst

Texas Heritage National Bank

<div>Description:

This position supports the credit administration function and assists in gathering and analyzing business and financial records and other information necessary to assess customer credit and risks in connection with primarily commercial loans. The Credit Analyst I assists in making determinations and recommendations on commercial credit decisions, credit risk, and loan requests through evaluation of financial statements, industry ratios, market risk, collateral, sensitivity analyses, and projections. The analyst works closely with loan officers, lending assistants, and other bank employees under the direction of the Director of Credit Administration and Senior Credit Analyst.
Duties/Responsibilities:<ul><li>
Analyzes the financial data of new and existing borrowers and prepares credit requests and reviews of existing credits.</li><li>
Provides general background of clients, transaction summary, projection modeling, loan covenant and condition compliance along with profitability, risk rating, relationship, and industry analyses.</li><li>
Assists in determining best loan structure for requests, helps to foresee future opportunities with clients, and provides credit recommendations.</li><li>
Assists in monitoring covenant and reporting compliance for assigned relationships, supports the preparation of annual reviews and renewals for existing borrowers, and communicates exceptions or deficiencies to the appropriate lending officer or credit administration staff.</li><li>
Works with loan officers, lending assistants, and loan operations staff to support file completeness and timely resolution of documentation requirements.</li><li>
Maintains working knowledge of applicable Bank lending policies, procedures, and regulatory guidelines.</li><li>
Provides strong and clear communication to co-workers, loan officers, and third parties.</li><li>
Adheres to all applicable internal policies and procedures and protects the confidentiality of borrower information.</li><li>
Follows BSA policies and procedures applicable to job functions.</li><li>
Performs additional duties as requested or assigned.</li></ul>
Requirements:

Required Skills/Abilities:<ul><li>
Working knowledge of basic accounting or financial principles; familiarity with credit/lending concepts is a plus.
</li><li>Demonstrates analytical, decision-making, and effective problem-solving skills.</li><li>
Strong attention to detail and accuracy.</li><li>
Demonstrates effective business writing along with excellent communication skills.</li><li>
Ability to work independently with minimal supervision and make sound judgments.</li><li>
Proficiency in Microsoft Office, including Excel and Word.</li></ul>
Education and Experience:<ul><li>
Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field required; candidates currently enrolled in a qualifying program will also be considered.</li><li>
One or more years of experience in banking or a related financial services environment desired; candidates with a relevant degree and limited prior experience, including those with experience in other roles in banking or related industries, will be considered.</li></ul>
Physical Requirements:
Prolonged periods of sitting at a desk and working on a computer.
Must be able to lift up to 15 pounds at times.</div>

Credit Analyst I

Studio4fold

Studio4Fold is a growing, innovation-driven organization focused on delivering high-quality business solutions and maintaining strong financial discipline across its operations. As we expand in Qatar, we are seeking a detail-oriented Credit Analyst to join our finance team in Al Rayyan.Position Overview The Credit Analyst will be responsible for evaluating creditworthiness, analyzing financial data, and supporting credit decision-making processes. This role is ideal for a finance professional with strong analytical skills who can assess risk, maintain portfolio quality, and support sound financial decisions.Key Responsibilities<ul><li>Assess credit applications and evaluate customer financial profiles</li><li>Analyze financial statements, credit reports, and payment histories</li><li>Determine credit limits and recommend approval or rejection decisions</li><li>Monitor existing accounts for credit risk and payment performance</li><li>Prepare credit analysis reports and risk assessments for management</li><li>Support debt collection strategies and follow-up on overdue accounts</li><li>Maintain accurate credit records and documentation</li><li>Collaborate with sales and finance teams to manage credit exposure</li><li>Assist in developing and improving credit policies and procedures</li><li>Ensure compliance with internal controls and credit guidelines</li></ul>Qualifications<ul><li>Bachelor&rsquo;s degree in Accounting, Finance, Economics, or related field</li><li>2&ndash;5 years of experience in credit analysis or financial risk assessment</li><li>Strong understanding of financial statements and credit evaluation techniques</li><li>Proficiency in Excel and financial analysis tools</li><li>Strong analytical and decision-making skills</li><li>High attention to detail and accuracy</li><li>Ability to manage multiple accounts and deadlines</li><li>Strong communication and interpersonal skills</li></ul>What We Offer<ul><li>Competitive salary package</li><li>Career growth opportunities within a dynamic organization</li><li>Exposure to credit risk management and financial operations</li><li>Supportive and collaborative work environment</li></ul>How to Apply Interested candidates are encouraged to submit their CV and a brief cover letter highlighting relevant credit analysis experience. We look forward to welcoming a dedicated finance professional to our team in Al Rayyan.Job Type: Full-timePay: QAR200,000.00 per yearWork Location: In person

Credit Analyst

Firefighters First Credit Union

<div>Firefighters First Federal Credit Union has proudly been serving the firefighter community since 1935. We have built trusting relationships within the fire family as the nation&rsquo;s largest exclusive firefighter credit union. Our commitment to providing our members with exceptional financial products and services, along with our legendary service, has allowed us to grow our membership nationally. Join a team that values its employees, invests in professional growth, and makes an impact in the firefighter community.<div></div><div><div> 
Currently, we have an immediate opening for a Business Portfolio Credit Analyst to join our team! The Business Portfolio Credit Analyst is responsible for managing and supporting an assigned portfolio of business lending relationships through disciplined credit analysis, underwriting, portfolio monitoring, and consultative member engagement. The role focuses on evaluating credit risk, structuring sound lending solutions, and supporting responsible business loan growth while ensuring compliance with Credit Union policy, regulatory standards, and risk management practices. The Analyst works closely with Business Member Portfolio Representatives, Business Lending leadership, and business members to underwrite and approve business loans, conduct annual portfolio reviews, and produce portfolio reporting and analytics that support informed credit decisions.</div> 
Primary Responsibilities:<div><div><div><ul><li>
Conducting annual financial reviews and risk grading for an assigned portfolio of business lending relationships by analyzing business and personal financial statements, calculating key financial ratios, updating credit conclusions in the loan origination system, and monitoring ongoing credit performance to ensure portfolio health and compliance with Credit Union loan policy and regulatory standards.</li><li>
Underwriting new business loan requests, including Small Business and Commercial Real Estate (CRE) loans, and structuring, negotiating, and packaging credit requests through approval and closing while ensuring alignment with prudent risk management practices and member needs.</li><li>
Approving or declining business credit card and small business loan requests within designated lending authority in accordance with Credit Union policies and procedures while ensuring consistent application of underwriting standards and documentation requirements.</li><li>
Preparing recurring and ad hoc portfolio reports and analyses by leveraging data analytics, including AI-enabled tools where appropriate, to identify trends, concentrations, and emerging risks and support effective portfolio monitoring and credit decisioning.</li><li>
Maintaining a thorough understanding of Business Lending policies, procedures, and applicable laws and regulations while assisting in the development, maintenance, and enhancement of lending procedures and recommending policy or process improvements as appropriate.</li><li>
Participating in special projects and cross-functional initiatives that support Business Lending and Credit Union strategic objectives by providing subject matter expertise and ensuring clear communication of outcomes.</li></ul></div></div></div></div> 
Basic Qualifications:<div><div><ul><li>
Education: Bachelor&rsquo;s degree in Finance, Accounting, Economics or Business preferred; or equivalent professional experience.</li><li>
Minimum 5 years of experience in commercial/business lending or commercial real estate.</li><li>
All candidates must be bondable and maintain bondable status throughout employment in accordance with credit union regulatory requirements.</li></ul></div></div> 
Benefits:
We offer exceptional benefits to our employees, including:<ul><li>
Competitive salary with a pay for performance bonus</li><li>
Fully paid Medical, Dental, and Vision benefits package for employees.</li><li>
Fully paid Life insurance, AD&amp;D, short and long-term disability coverage</li><li>
401k plan with a 3% safe harbor from the credit union and a matching program of up to 4%</li><li>
Education reimbursement of up to $5,250 annually, along with a 0% education loan assistance program</li><li>
Pet Insurance</li><li>
4 weeks of PTO annually including 2 &frac12; days of float time.</li><li>
9 paid holidays plus 2 half days</li></ul> 
Firefighters First Federal Credit Union is an Equal Employment Opportunity employer. We do not discriminate based upon race, color, religion, age, gender, marital status, physical or mental disability, medical condition, pregnancy, sexual orientation, gender identity or expression, national origin, veteran status, genetic information, or any other status protected under federal, state, or local law. Firefighters First Federal Credit Union is committed to providing access, equal opportunity and reasonable accommodation for individuals with disabilities in employment, its services, programs, and activities. To request reasonable accommodation, contact Human Resources at careers@firefirstcu.org.</div>

Business Portfolio Credit Analyst

North American Banking Company

North American Banking Company has been serving Twin Cities communities since 1998, help us continue to build new and lasting personal and business relationships as a Commercial Credit Analyst in our Woodbury branch.Job ResponsibilitiesThis job supports our commercial and retail lending staff and is responsible for the following:&middot; Spread financial information and prepare cash flow analysis from financial statements and tax returns for businesses and individuals using Credit Quest spreadsheet software and MS Excel.&middot; Prepare and/or assists lenders with the preparation of timely annual credit reviews on credit customers. This primarily includes preparation of credit presentation data for annual reviews and new credit requests on existing borrowers based on previous presentations, information on ITI, existing loan documents, etc. Identifies key issues or questions on credit relationships and communicates these to the responsible lender.&middot; Upon request of lenders, contact borrowers to obtain financial information or answers to key questions or issues raised.&middot; Monitor and analyze borrowing base certificates, set up and monitor construction loan draw spreadsheets and prepares monthly report on borrowing base and construction loans outstanding.&middot; Assist with the maintenance of credit files in a neat and organized fashion.&middot; During process of annual review, audit loan file for proper collateral perfection, insurance, compliance with loan covenants, verify that the loan is set up on ITI correctly and ensure that approved loan terms are in the loan documents.&middot; Order real estate appraisals and send engagement letters to appraisers as requested by business and retail lenders.&middot; Review and recommend acceptance or rejection of residential real estate appraisals on a timely basis by completing the appraisal review checklist.&middot; Actively participates in bank sales promotions and development activities such as community organizations and special events sponsored by the bank.&middot; Performs other duties as assigned.Successful candidates will have:&middot; Bachelor&rsquo;s degree (B.A.) from four-year college or university; or three to five years related experience and/or training; or equivalent combination of education and experience.&middot; Ability to read, analyze and interpret general business periodicals, professional journals, technical procedures or governmental regulations.&middot; Ability to write reports and business correspondence.&middot; Ability to effectively present information and respond to questions from groups of managers, clients, customers and the general public.&middot; Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra.&middot; Ability to apply common sense understanding to carry out instructions furnished in written, oral or diagram form.&middot; Ability to deal with problems involving several concrete variables in standardized situations.&middot; Knowledge of Microsoft Excel, Word, ITI Software, and Credit Quest spreadsheet software.&middot; Basic understanding of business financial statements and business and individual tax returns and how to construct cash flow models using this information.&middot; General knowledge of applicable bank compliance policies; Bank Secrecy Act, Regulation CC, Regulation E, Regulation DD, Regulation Z, RESPA, and HMDAWhat's important to us at North American Banking Company is a happy customer. To that end, when we look for a new employee, we're looking for honesty, creativity, integrity, and exceptional client service skills. If you fit that description, you've come to the right place. As a member of the North American Banking Company team, you will find a unique environment where employees are encouraged to express creativity, participate in decision-making processes, and develop skills. You will be rewarded for hard work and dedication. We offer an outstanding package of employer paid benefits.We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, creed, religion, national origin, sex, sexual orientation, disability, protected veterans, age, marital status, familial status or status with regard to public assistance, or any other characteristic protected by law. North American Banking Company encourages veterans, people with disabilities, and minorities to apply for employment.Job Type: Full-timePay: $29.00 - $34.00 per hourBenefits:<ul><li>401(k)</li><li>401(k) matching</li><li>Dental insurance</li><li>Health insurance</li><li>Life insurance</li><li>Paid time off</li></ul>Work Location: In person

Commercial Credit Analyst

Huntington Bank

<div><h1 class="jobSectionHeader">Description
</h1>This role will be onsite at our Cleveland office only
Summary:
The Credit Analyst - CIP is an excellent career development position within the vigorous Middle Market Commercial Banking environment at Huntington National Bank. The individual will work with clients whose revenues are $50MM+ and will learn the essentials of commercial banking.
Duties and Responsibilities:
<ul><li>Work directly with sales and credit personnel in generating approval documents while also helping to protect the quality of the Bank&rsquo;s loan Portfolio.
</li><li>Gather and analyze all financial and business information to determine credit worthiness for loans, review and spread borrower financial statements and identify risks or strengths
</li><li>In partnership with the Portfolio Managers, assess the credit worthiness of commercial borrowers by identifying risks posed by the borrower&rsquo;s specialized industry, line of business, financial history and outlook, the economy, and the proposed loan structure, among other factors.
</li><li>Create approval and portfolio review documents, including writing summary analysis.
</li><li>Work in a team environment and provides support as needed, which may include special projects.
</li><li>Assist in the mentoring and training of credit analysts.
</li><li>Performs other duties as assigned.
</li></ul>Basic Qualifications:
<ul><li>Bachelor&rsquo;s degree in Business Administration, Finance, Accounting, Economics, or other related fields.
</li></ul>Preferred Qualifications:
<ul><li>Experience or demonstrated school work in commercial lending and/or financial evaluation of companies
</li><li>Demonstrated confidence, assertiveness, professionalism, and desire to learn
</li><li>Strong customer service aptitude and goal oriented
</li><li>Proficiency with MS Office Suite
</li></ul>This role will be onsite at our Cleveland office only 
 
Exempt Status: (Yes = not eligible for overtime pay) ( No = eligible for overtime pay)
No
Workplace Type:
Office
Our Approach to Office Workplace Type
Certain positions outside our branch network may be eligible for a flexible work arrangement. We&rsquo;re combining the best of both worlds: in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team.
Huntington will not sponsor applicants for this position for immigration benefits, including but not limited to assisting with obtaining work permission for F-1 students, H-1B professionals, O-1 workers, TN workers, E-3 workers, among other immigration statuses. Applicants must be currently authorized to work in the United States on a full-time basis.
Huntington is an Equal Opportunity Employer. 
Note to Agency Recruiters: Huntington will not pay a fee for any placement resulting from the receipt of an unsolicited resume. All unsolicited resumes sent to any Huntington colleagues, directly or indirectly, will be considered Huntington property. Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration.</div>

Whitecollars

<div>Company Description 
Our client is a leading distributor of industrial tyres across Saudi Arabia, with operations dating back to the 1950s. With over 200 employees, they import industrial tyres from China and Turkey to serve clients across Saudi Arabia. 
Job Description 
Our client is seeking a finance-focused professional with solid hands-on experience in customer credit analysis, accounts receivable management, and financial risk assessment. The ideal candidate will be responsible for assessing customers&rsquo; financial position, determining creditworthiness, evaluating payment behaviour, and recommending appropriate credit limits and payment terms based on sound financial analysis. 
Work Arrangements
Reports To: Credit and Accounts Receivable Manager 
Location: On-site (Gleem, Alexandria, Egypt) 
Working hours: Sunday- Thursday - Full-time
Key Responsibilities<ul><li>
Review and assess customers&rsquo; credit limits and payment terms.</li><li>
Analyze sales, collections, and payment activities.</li><li>
Review ageing reports and monitor customers&rsquo; account status.</li><li>
Evaluate customers&rsquo; creditworthiness based on financial data and payment behaviour.</li><li>
Recommend appropriate credit limits, credit periods, and payment terms.</li><li>
Follow up on delinquent accounts and high-risk customers.</li><li>
Development and implementation of credit policies and procedures.</li><li>
Prepare and maintain dashboards to track receivables, collections performance, and credit risk.</li>
Prepare periodic reports on receivables, collections, and credit risks. 
<li>
</li></ul> 
 
Qualifications 
<ul><li>
Bachelor&rsquo;s degree in Accounting or Business Administration.</li><li>
Minimum 2 years of experience in credit analysis and accounts receivable.</li><li>
Proficiency in Excel; at least 1 year of experience with Odoo.</li><li>
Practical experience with aging reports and collections processes.</li><li>
Ability to analyze payment behavior and evaluate customers&rsquo; credit profiles.</li><li>
Ability to review customers&rsquo; financial statements to assess creditworthiness.</li></ul></div>

Credit and Accounts Receivable Financial Analyst

The Home Depot

<div>Position Purpose:
The Finance Business Services (FBS) team serves as a strategic and innovative partner focused on supporting business growth, as part of a world-class controllership organization.
 
The FBS Lead Analyst is responsible for the day to day activities related to their tower (e.g., procure to pay (P2P), Order to Cash (OTC), or Record to Report (R2R)). This role will partner with project teams and external business partners and supports problem solving efforts. The person in this role is accountable for supporting the activities of the team, ensuring customer service, and encouraging continuous improvement of processes and delivery. The FBS Lead Analyst provides coaching to team members, along with supporting their development of business and technical skills.
 
As a FBS Lead Analyst, you will support individual contributors (Analysts and Sr. Analysts) prioritize and review work, while balancing your own workload. This role is expected to present continuous improvement insights and recommendations to managers and leaders. In addition, lead analysts will collaborate with cross-functional teams, requiring effective communication skills, and the ability to build relationships and partnerships while managing competing priorities. 
Key Responsibilities:<ul><li>
10% Collaboration - Leverages prior experiences to help develop and recommend solutions; Effectively develops trust and collaboration with internal customers and cross-functional teams in other towers; Collaborates with appropriate team members to gather input and feedback concerning business needs; Understands the technical needs required for successfully tackling business problems</li><li>
10% Continuous Improvements &amp; Controls - Participates in the continuous improvement of FBS processes by developing scalable solutions; Ensures appropriate processes and job-specific requirements are properly documented; Works closely with compliance and controls teams as needed</li><li>
60% Operational Duties &amp; Oversight - Coordinate execution by a small team of required tasks related to the delivery of the (PTP, OTC, RTR) tower; Collaborates effectively with other teams in organizing key hand-offs between teams, as needed; Works on building and proposing solutions for internal or external customers; Fosters continuous improvement and innovation by challenging and proposing ideas for doing things in a different way; Helps to ensure execution of controls related to the day-to-day activities; Creates regular reports for the leadership; assists with or produces other reports as requested; Provides advise and analysis to increase the efficiency; Leverages prior experiences to help develop and recommend solutions; Executes month end / year end processes; Collaborates with program managers and business partners to align on objectives and expectations and ensure team members deliver against them; Monitor and works towards meeting KPIs and SLAs defined for the area; Serve as first escalation point for any issues or difficulties with specific projects</li><li>
20% People Management &amp; Team Leadership - Provides guidance to Analysts and Senior Analysts and evaluate execution and contribution; Supports timely feedback to the analysts regarding performance, execution, and contribution; Support steam in development of business knowledge and technical skills with clear plans and regular assessment of progress; Foster collaboration with team members to develop a supportive and engaged team; Support team in the design and development of algorithms and models to use against large datasets to create business insights Drive team's results and celebrate accomplishments</li></ul> 

Direct Manager/Direct Reports:<ul><li>
This Position typically reports to FBS Manager or Sr Manager</li><li>
This Position has 3 Direct Reports</li></ul> 

Travel Requirements:<ul><li>
Typically requires overnight travel less than 10% of the time.</li></ul> 

Physical Requirements:<ul><li>
Most of the time is spent sitting in a comfortable position and there is frequent opportunity to move about. On rare occasions there may be a need to move or lift light articles.</li></ul> 

Working Conditions:<ul><li>
Located in a comfortable indoor area. Any unpleasant conditions would be infrequent and not objectionable.
</li></ul> 
Minimum Qualifications:<ul><li>
Must be eighteen years of age or older.</li><li>
Must be legally permitted to work in the United States.</li><li>
Excellent written and verbal communication skills</li></ul> 

Preferred Qualifications:<ul><li>
Proficient in Microsoft Office Suite or related software as well as other accounting software programs</li><li>
The knowledge, skills and abilities typically acquired through the completion of a bachelor's degree Accounting, Finance, or related field of study related to the job</li><li>
Ability to anticipate work needs and interact professionally with customers</li><li>
Excellent organizational skills and attention to detail</li><li>
Strong analytical, problem solving, and research skills</li><li>
Experience with data analytics / data visualization</li><li>
Experience with different innovative technologies like RPA, Machine Learning, Artificial Intelligence and Blockchain is highly desired</li><li>
Previous people or project team management experience</li></ul> 

Minimum Education:<ul><li>
The knowledge, skills and abilities typically acquired through the completion of a bachelor's degree program or equivalent degree in a field of study related to the job.</li></ul> 

Preferred Education:<ul><li>
No additional education</li></ul> 

Minimum Years of Work Experience:<ul><li>
4</li></ul> 

Preferred Years of Work Experience:<ul><li>
No additional years of experience</li></ul> 

Minimum Leadership Experience:<ul><li>
None</li></ul> 

Preferred Leadership Experience:<ul><li>
None</li></ul> 

Certifications:<ul><li>
None</li></ul> 

Competencies:<ul><li>
Action Oriented</li><li>
Nimble Learning</li><li>
Collaborates</li><li>
Cultivates Innovation</li><li>
Instills Trust</li><li>
Optimizes Work Processes</li><li>
Builds Networks</li><li>
Communicates Effectively</li><li>
Customer Focus</li><li>
Drives Results</li></ul></div>

Lead Analyst, Trade Credit

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10000 credit product analyst jobs Near Me

Credit Analyst I

Credit Analyst

Business Portfolio Credit Analyst

Commercial Credit Analyst

Credit Analyst

Credit and Accounts Receivable Financial Analyst

Lead Analyst, Trade Credit