Job Title: Bank Credit Analyst
PSIB Institute Is a leading financial institution dedicated to providing exceptional banking services to our clients. We pride ourselves on our commitment to excellence, integrity, and innovation in the banking industry. As part of our continued growth and success, we are seeking a highly motivated and skilled Bank Credit Analyst to join our dynamic team.
As a Bank Credit Analyst, you will play a crucial role in evaluating the creditworthiness of potential borrowers and assessing the risk associated with lending activities. Your primary responsibility will be to analyze financial data and market trends to make informed lending decisions that align with the bank's risk appetite and regulatory guidelines.
- Conduct thorough financial analysis of loan applicants, including reviewing income statements, balance sheets, cash flow statements, and other relevant financial documents.
- Assess the creditworthiness of borrowers by evaluating their repayment capacity, collateral, and credit history.
- Utilize various financial modeling techniques to forecast future performance and assess the potential risks associated with lending.
- Collaborate with other departments, such as loan officers and underwriters, to gather relevant information and ensure accurate credit assessments.
- Monitor existing loan portfolios to identify potential risks and recommend appropriate actions to mitigate losses.
- Stay abreast of industry trends, regulatory changes, and economic developments that may impact lending decisions.
- Prepare comprehensive credit reports and present findings to senior management for approval.
- Maintain accurate and up-to-date records of credit analysis activities and documentation in compliance with internal policies and regulatory requirements.
- Bachelor's degree in finance, accounting, economics, or a related field. Master's degree or professional certification (e.g., CFA, CPA) is preferred.
- Minimum of [insert number] years of experience in credit analysis, preferably in a banking or financial services environment.
- Strong understanding of financial statements, credit risk assessment methodologies, and regulatory requirements.
- Proficiency in financial modeling and analytical tools, such as Excel, Bloomberg, and/or credit scoring software.
- Excellent communication and interpersonal skills, with the ability to effectively communicate complex financial concepts to non-financial stakeholders.
- Detail-oriented with strong problem-solving skills and the ability to work independently or as part of a team.
- Competitive salary and performance-based incentives.
- Comprehensive benefits package, including health insurance, retirement plans, and paid time off.
- Opportunities for professional development and career advancement within the organization.
How to Apply:
If you are passionate about finance and possess the necessary skills and qualifications to excel in this role, we encourage you to apply by submitting your resume and cover letter to 9910650029, Info@Psib.Co.In. Please include "Bank Credit Analyst" in the subject line of your email.