credit review 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

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>

Avery Dennison

<div>
 
 
 Avery Dennison Corporation
 
 (NYSE: AVY) is a global materials science and digital identification solutions company. We are Making Possible&trade; products and solutions that help advance the industries we serve, providing branding and information solutions that optimize labor and supply chain efficiency, reduce waste, advance sustainability, circularity and transparency, and better connect brands and consumers. We design and develop labeling and functional materials, radio-frequency identification (RFID) inlays and tags, software applications that connect the physical and digital, and offerings that enhance branded packaging and carry or display information that improves the customer experience. Serving industries worldwide &mdash; including home and personal care, apparel, general retail, e-commerce, logistics, food and grocery, pharmaceuticals and automotive &mdash; we employ approximately 35,000 employees in more than 50 countries. Our reported sales in 2024 were $8.8 billion. Learn more at www.averydennison.com.
 
 
 
 
 
 Avery Dennison is an equal opportunity employer.
 
 
 
 
 
 Please let us know if we can support you with reasonable accommodations throughout the application process by contacting our team via Requestaccomodation@eu.averydennison.com.
 
 
 
 
 
 
 
 We do not accept unsolicited referrals or resumes from any source other than directly from candidates
 
 
 .
 
 
 
 
 *
 
 
 
 We are unable to offer sponsorship or relocation for this role
 
 
 
 *
 
 
 
 
 
 
 *This role is subject to right-to-work checks as per local employment laws*
 
 
 
 
 
 
 
 
 Job Description
 
 
 
 The full-time position of the
 
 Credit Analyst
 
 is responsible for the investigation and analysis of credit risks, working within guidelines established by the organisation. You will be working from our
 
 office in Samand&inodot;ra, Istanbul
 
 .
 
 <ul>
 <li>
 Review and analyze credit applications and risks.
 </li>
 <li>
 Through research and analysis, report and annotate findings and make decisions as needed.
 </li>
 <li>
 Review and disposition credit decisions inside and outside system recommendations using grid and bureau information.
 </li>
 <li>
 Oversee payment systems, including cheque processing, Direct Debit operations, and customer bank transfers.
 </li>
 <li>
 Follow up of the accounts and take actions for past-due customers
 </li>
 <li>
 Review and release customer orders on credit hold in the order processing system.
 </li>
 <li>
 Review new accounts for creditworthiness.
 </li>
 <li>
 Make recommendations for credit limits on new increases and credit lines on existing accounts.
 </li>
 <li>
 Prepare regular credit related reports for dissemination to applicable Finance or Accounting departments.
 </li>
 <li>
 Report preparation (weekly / monthly / quarterly / yearly).
 </li>
 </ul>
 
 
 
 
 
 Qualifications
 
 
 
 The ideal candidate should have the following qualifications:
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Finance, Accounting or related field required.
 </li>
 <li>
 At least minimum
 
 4-5 years
 
 credit or related experience.
 </li>
 <li>
 
 Fluency in English is a MUST
 
 . French language knowledge is preferable.
 </li>
 <li>
 Ability to establish and maintain good client relationships, both internally and externally at all levels.
 </li>
 <li>
 Ability to reconcile complex accounts and have excellent attention to detail.
 </li>
 <li>
 Competence in Microsoft Office products
 
 (proficiency in xls is a must)
 
 and accounting software programs like ORACLE.
 </li>
 <li>
 Knows and applies the fundamental concepts, practices and procedures of credit analysis.
 </li>
 <li>
 Strong math and credit analytical skills.
 </li>
 </ul>
 
 
 *No military obligation for male candidates.*
 
 
 
 
 
 
 
 What we can offer:
 
 
 <ul>
 <li>
 Flexible working hours
 </li>
 <li>
 Attractive salary package
 </li>
 <li>
 Workplace &amp; work hours flexibility
 </li>
 <li>
 Structured learning and development / Mentoring program
 </li>
 <li>
 International environment
 </li>
 <li>
 Events like International Women&rsquo;s Day, Earth Day, etc.
 </li>
 <li>
 A growing and welcoming team with a good spirit!
 </li>
 </ul>
 
 
 Who we are! - Our Story:
 
 
 
 
 Every voice. Every day!
 
 Eight Values
 
 . One Team!
 
 
 
 Being open to every voice, every day, brings our value of diversity to life and makes Avery Dennison a vibrant and engaging place to be. We understand diversity and equal opportunities as enrichment for our future-oriented work. Across our diverse, global team, every voice makes us stronger. When we listen to and learn from each other, there is no limit to what we can achieve together. Each of us is unique, and we appreciate bringing together different personalities and talents.
 
 
 Avery Dennison is an equal-opportunity employer. In the
 
 EMEA region
 
 , we have these
 
 Employee Resource Groups
 
 :
 
 <ul>
 <li>
 
 EmpoWer
 
 - focusing on the engagement, mentoring, and promotion of women
 </li>
 <li>
 
 Mental Health
 
 - striving to provide a safe space for employees to discuss mental health issues in the workplace
 </li>
 <li>
 
 Unite
 
 - supporting the LGBTQI+ and ally community in the EMEA region
 </li>
 </ul>
 
 To find out more about
 
 all our employee resources groups globally
 
 as well as our
 
 Diversity, Equity &amp; Inclusion
 
 approach, please go to our Diversity and Inclusion pages in the About Us section of our website:
 
 https://www.averydennison.com/en/home/about-us/diversity-and-inclusion.html
 
 
 
 At Avery Dennison, we do what we love, and we love what we do - Just click here, and get to know us better:
 
 Life @ Avery Dennison
 
 (
 
 linkedin.com/company/avery-dennison/life/emea
 
 )
 
</div>

Carter Bank

SUMMARY: 
The Credit Systems Analyst acts in the capacity of administrator on various platforms, such as Sageworks/Abrigo, and works with multiple departments to review the structure, content, and quality of system-generated reports and conducts advanced reporting. This position streamlines current processes and reports, and works on various special projects to improve the department’s efficiency as it pertains to information systems. The Credit Systems Analyst aids in the structure and reporting of but not limited to Production, Policy Exceptions, Financial Exceptions, Covenants, Criticized Assets, Annual/Semi-Annual Reviews, Appraisals, Allowance for Loan and Lease Losses (ALLL), Current Expected Credit Loss (CECL), Individual Worksheets (IWs), Restructured Loans (RLs), Credit Quality Indicators, and Changes in Criticized and Non-Accrual Loans.
 
ESSENTIAL JOB FUNCTIONS: 
<ul>
<li>Oversees the integrity of data tracked on Sageworks/Abrigo and DNA systems</li>
<li>Works with multiple departments to review the structure, content and quality of system-generated reports and maintains the correct data and conducts advanced reporting</li>
<li>Streamlines current processes and reports, and works on various special projects to improve the department’s efficiency as it pertains to information systems</li>
<li>Aids in the structure and reporting of but not limited to the Production, Policy Exceptions, Financial Exceptions, Covenants, Criticized Assets, Watch List, Annual/Semi-Annual Reviews, Appraisals, ALLL, CECL, IWs, RLs, Credit Quality Indicators, Changes in Criticized and Non-Accrual Loans and other duties as needed</li>
<li>Acts in the capacity of administrator on various platforms such as Sageworks/Abrigo</li>
<li>Run daily, monthly, quarterly, and semi-annual reports</li>
<li>Analyzes, deletes, and appends records for consistent information</li>
<li>Reviews and analyzes database error logs after daily and/or periodic imports</li>
<li>Analyzes and runs tests for better generation for financial statement information and reports</li>
<li>Creates and runs verification reports to append records for ticklers, duplicate clients, and various other pieces of information for core systems and support systems</li>
<li>May be tasked to lead routine Credit Systems area projects and update management on status</li>
</ul>
JOB REQUIREMENTS: 
<ul>
<li>Bachelor’s degree in Business, Accounting, Finance, Economics or related field</li>
<li>Additional specialized training or education in computer science, management information systems, and advanced report writing preferred</li>
</ul>
KNOWLEDGE/SKILLS REQUIRED: 
<ul>
<li>Intermediate proficiency with computers</li>
<li>Basic credit analysis skills</li>
<li>Intermediate analytical skills</li>
<li>Intermediate mathematical skills</li>
<li>Basic knowledge of credit administrative procedures, commercial lending practices, loan structures, regulations, risk assessment, products, data structures and reporting</li>
<li>Basic verbal and written communication skills</li>
<li>Basic project management skills</li>
<li>Intermediate problem-solving skills</li>
<li>Intermediate analytical planning skills</li>
<li>Basic interpersonal skills</li>
</ul>
PHYSICAL AND MENTAL QUALIFICATIONS: 
<ul>
<li>Standing, walking, bending and stooping required</li>
<li>Must be able to sit at a desk for long periods of time and use a computer</li>
<li>Must be able to occasionally move or lift up to 10 pounds</li>
<li>May be asked to work supplemental hours periodically</li>
<li>Limited travel required occasionally during and after business hours</li>
</ul>
The above statements are intended to describe the general nature and level of work being performed by the incumbent assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and/or skills required of all personnel so classified.
 NOT A CONTRACT

Credit Systems - Credit Systems Analyst

Crisil

<div>
 
 Key Responsibilities:
 
 
 
 
 
 -
 
 
 
 Domain Related:
 
 
 <ol>
 <li>
 Assist global Credit Analyst(s) in cash flow analysis for Structured Finance securities
 </li>
 <li>
 Prepare cash-flow Model for structured finance deals RMBS, across EMEA and US regions) using proprietary platforms (IMAKE, Cashflow Evaluator, Intex) and ensure the correctness of the cash flow output
 </li>
 <li>
 Cash-flow Modelling involves:
 </li>
 <li>
 Analyzing, comprehending, and interpreting transaction documents such as Offering Circular, Indenture, Term-sheet etc., to understand the structure and features of the deals
 </li>
 <li>
 Retrieve appropriate data (Asset and Liability level) to prepare cash-flow model set up files
 </li>
 <li>
 Scripting payment waterfalls and related conditions as per the deal covenants using pre-built functions in the scripting tools to generate the required cash-flow output
 </li>
 <li>
 Testing the Cash-flow model through scenario analysis to comply all the requirement of legal document and the Asset Specific Cash-Flow Criteria
 </li>
 <li>
 Work on resolving Queries w.r.t Cash-flow model outputs used for ratings process
 </li>
 <li>
 Model maintenance involves regular testing and validation of models based on the most recent investor reports, statements published by issuers, servicers and revising the model to be in sync with expected outcome
 </li>
 <li>
 Stay abreast with the latest developments in the structured finance market and understand / be able to comment on their potential impact
 </li>
 <li>
 Support Global Credit Analyst(s) in analyzing the performance of a portfolio of Structured Finance transactions for any credit event
 
 Process Adherence:
 
 </li>
 <li>
 Focus on quality review and add analytical inputs to processes as and when needed
 </li>
 <li>
 Create and maintain base level training material, process manuals and related documentation to ensure smooth execution of tasks
 </li>
 <li>
 Adopt the defined processes in day-to-day execution of assignments
 </li>
 <li>
 Identify process improvement avenues that leads to value addition to work
 </li>
 <li>
 Ensure gained knowledge is retained and documented through operating manuals
 </li>
 <li>
 Work with other teams and suggest methods to improve efficiency of the existing process
 </li>
 </ol>
 
 7. Strictly practice and follow all compliance, confidentiality and information security policies and procedures and related guidelines of the organization
 
 
 
 
 
 Client Management / Stakeholder Management:
 
 
 <ol>
 <li>
 Build and maintain relationships with onshore Analyst and respective stakeholders
 </li>
 <li>
 Set expectations with clients for the routine tasks (viz., scope of work, timelines, etc.)
 
 People Development:
 
 </li>
 <li>
 Provide mentoring / training to junior members of the team
 </li>
 <li>
 Implement team-level initiatives (co-curricular activities)
 </li>
 <li>
 Familiarize new recruits to the team and organization
 </li>
 </ol>
 
 
 
 
 
 Expected Candidate Profile: -
 
 
 <ol>
 <li>
 Understanding of Fixed Income AND/OR Structured Finance / Securitization concepts
 </li>
 <li>
 Excellent oral and written communication skills
 </li>
 <li>
 Positive attitude with qualities of a team player and Solution oriented
 </li>
 <li>
 Ability to take ownership and execute tasks independently
 </li>
 <li>
 Ability to deal with pressure and open to new ideas and initiatives
 </li>
 <li>
 Ability to build client relations and take a view based on client guidance
 </li>
 </ol>
 
 
 
 
 
 
 Essential Qualification: -
 
 
 
 Two years full-time MBA (Finance) OR Equivalent
 
 
 
 
 
 
 Preferred Qualification: -
 
 
 
 Two years full-time MBA/PGDM (Finance) OR Equivalent degree in Quantitative Finance OR (CFA / FRM) with 3-5 years of work experience in Structured finance (ABS / RMBS / CLOs).
 
 
 
</div>

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

ADIB - Abu Dhabi Islamic Bank

<div>
 
 
 
 Role&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;: Credit Analyst - Home Finance
 
 
 
 Location :
 
 Sharjah
 
 
 
 Role Purpose:
 
 
 
 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;&nbsp;&nbsp;&nbsp;
 
 
 Key Accountabilities of the role&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;
 
 
 
 
 <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>
 
 
 
 
 
 RESULTS REQUIERD:
 
 
 
 
 <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 in 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>
 
 
 
 
 
 Specialist Skills / Technical Knowledge Required for this role:
 
 
 
 
 <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>
 <li>
 Detailing of the documents
 </li>
 <li>
 Strong command of Arabic &amp; English language
 </li>
</div>

Search 10000+ Credit review analyst jobs near you this November. New roles added regularly across leading industries. Apply today.

10000 credit review analyst jobs NEAR_ME

Credit Analyst

Credit Analyst

Credit Analyst

Credit Systems - Credit Systems Analyst

Credit Analyst

Credit Analyst

Credit Analyst