Credit Analyst Job Description Sample
Schlumberger has an opening in Denver, Colorado for a Credit Analyst. The Credit Analyst is responsible for providing financial support to Credit management team to ensure that each significant credit decision is given proper financial consideration.
The candidate may work on any of the following:
Update customer financial information in Credit assessment system as it becomes available
Assist Credit Manager in gathering credit applications and various agency data for credit risk review in Credit assessment system
Verify bank and trade references
Analyze weekly analysts' reports for low bonds, and escalate concerning accounts to Regional Credit Manager as applicable
Review accounts receivable (AR) portfolio for potential problem accounts and determine, if Credit Manager intervention is required
Gather account statements and invoice copies for delinquent accounts and escalate to Legal department
Monitor recent bankruptcy filings to determine exposure
Create credit limit change requests
Review and synchronize credit limits between ERPs as applicable
Complete request and forms related to quarterly bad debt review process
Comply with applicable company policies, including Personnel, Quality System and Health, Safety and
Environment standards and procedures.
Successfully complete required safety training (including but not limited to drugs and alcohol, electrical, emergency response, fire, first aid, health and hygiene, PPE, SIPP, risk reporting, IT security, hazardous materials, driving).
Qualifications & Experience
Minimum Bachelor's Degree in Accounting/ Finance
3 years of professional experience in large accounting firm or Multinational company
Advanced knowledge in MS-Office
Expert level English written and verbal communication skills
Interpersonal skills and Team player
Pro-active, self-motivated and eager to acquire knowledge
Ability to work under pressure
Problem solving and analytic skills
Candidates must be able to legally work and reside in the US, without sponsorship
Knowledge of Oilfield terminology and business practices. Oil & Gas Industry exposure
Ability to work in global distributed setting, previous international exposure
Self-driven, Proactive, Systems Thinking
Schlumberger is an equal employment opportunity employer. Qualified applicants are considered without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or other characteristics protected by law.
Schlumberger is a VEVRAA Federal Contractor – priority referral Protected Veterans requested.
Responsible for approving the extension of credit and/or making recommendations to the person(s) making the final lending decisions on new, renewal and extension loans to approve or deny the extension of credit. Conducts complete credit analyses including gathering, analyzing and interpreting all types of credit information on existing and prospective customers. Reviews customer accounts and portfolios in order to identify, evaluate and determine the appropriate course of action on potential credit quality issues in order to maximize credit quality and minimize risk and potential loss to the company.
Bachelor's degree, or equivalent work experience
Ten or more years of experience in credit analysis and/or lending activities
Considerable credit analysis and analytical skills
Extensive knowledge of credit administration, policy and procedures
Thorough knowledge of economics, accounting, and finance
In-depth knowledge of risk analysis
Excellent technical report writing skills
Excellent verbal and written communication skills
Partners with Sales and Relationship Manager(s) to successfully manage CPS credit account relationships. Grows revenue by successfully credit approving new business relationships and retaining and expanding relationships with existing customers while managing credit risk within the parameters of established Bank credit policy and historical CPS loss rates. Responsibilities include underwriting CPS exposures across a wide range of industries, managing an assigned credit portfolio, successfully credit approving new business relationships and expanding existing relationships, managing credit risk and responding to prospect or customer credit questions, and making independent calls on assigned portfolio of relationships.
Bachelor's degree, or equivalent work experience
One to three years of commercial banking experience
Preferred Degree in Accounting or Finance.
1 to 3 years in Commercial underwriting experience.
Experience with Moody's RiskAnalyst or comparable financial statement spreading tools.
Ability to exercise independent judgment.
Self-motivated individual with strong time management skills
Knowledge of credit administration, policy and procedures.
Knowledge of economics, accounting and finance.
Thorough knowledge of applicable laws and regulations, and company and business line policies and procedures
Thorough knowledge of credit quality standards and industry-specific credit products
Strong relationship management and business development abilities, in order to capitalize on both new and existing relationship opportunities
Strong analytical and problem-solving skills
Ability to work effectively with individuals and groups across the company to manage customer relationships
Well-developed written communication and verbal presentation skills
The start of a rewarding career awaits you at Engineering Services & Products Company. Since 1979, we've grown from a regional, two-person office to the industry-leading manufacturer of fabric structures and greenhouses.
We have an immediate opening for a Credit Analyst. We are looking for a professional who is willing and able to contribute to the growth and success of ESAPCO.
Successful candidate will be responsible for analyzing credit data to estimate the degree of risk involved in extending credit or lending money to firms or individuals by performing the following duties:
Providing quality service to internal customers through undertaking risk assessment analysis of various types of lending proposals
Analyzing financial information, such as statements, management accounts and cash flow statements
Developing models of credit information to predict patterns and trends using specialist statistical software
Assessing the credit worthiness of client companies
Advising and recommending changes to policy and procedure
Conversing with other staff within the company, such as account managers and product specialists
Helping to ensure that procedures comply with sector standards
Staying informed about the legal, compliance and market-risk-related issues involved in the approval of credit.
Establish credit limitations on customer accounts.
Handle special credit arrangements and deviations from standard terms of payment.
Ensure that collections are made on a timely basis and in compliance with good customer service procedures.
Coordinate investigation of fraud and legal action.
Compile and analyze statistical data on fraudulent use of credit cards to develop procedures to deter abuses.
Assist management in formulating customer credit collection activities that maximize sales potential.
Knowledge of Accounting software
Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public
Ability to work with mathematical concepts such as probability and statistical inference
Ability to take initiative and follow through with minimal supervision
Ability to work under pressure in a calm and efficient manner
Bachelor's degree; or one to two years related experience and/or training; or equivalent combination of education and experience
Ideal candidates are positive, motivated and team oriented.
Salary to commensurate with experience.
We offer an excellent benefits package, including medical, dental, 401(k), profit sharing and product discounts.
How To Apply:
Note: These are PDF forms. We recommend that you save them to your computer's hard drive, fill out the forms, save and email to HRdept@farmtek.com .
Application For Employment Form
Disclosure Agreement Form
Background Check/Drug Testing Form
To apply, please download and fill out the corresponding forms.
Submit forms and a resume by mail or e-mail to:
Attn: Human Resources FarmTek / Engineering Services & Products Co.
1395 John Fitch Blvd., South Windsor, CT 06074
E-Mail - HRDept@FarmTek.com
Engineering Services & Products Company is an equal opportunity employer.
Analog Devices (NASDAQ: ADI) designs and manufactures semiconductor products and solutions. We enable our customers to interpret the world around us by intelligently bridging the physical and digital worlds with unmatched technologies that sense, measure and connect.
To apply the company's credit and collection policies, practices and procedures to the administration of the credit and collection function in a manner that will result in maximum sales, sound receivables and their prompt conversion into cash.
Establish a relationship with the Sales Department, Customer Service and the customer in order to learn of our customer's requirements and credit needs.
Work with customers to reconcile accounts and to ensure prompt payment.
Review order credit referrals and take action as necessary.
Obtain commitments, guarantees and other information as required to meet the needs of marginal type accounts.
Be aware of the background and experience marginal customers have with the company, especially where "special" orders are involved or where a competitor is involved.
Communicate all exceptions to our general departmental policies and procedures in the handling of any accounts to Sales, Customer Service, and appropriate people at the Divisions.
Review regularly the status of collections in the region.
Check monthly balances against credit lines and past due amounts taking appropriate steps to reduce exposure.
Consult with Sales, Customer Service or people at appropriate Division to address unusual or complex collection situations requiring unusual action.
Maintain operational relationships with Area Sales Directors, Sales Engineers, Customer Service, divisional personnel and other departments/people concerned with the administration of the credit function.
Successful candidate will have a Degree in Business (or equivalent relevant experience) with 2yrs+ experience working in a high tech industry in a fast paced environment.
For positions requiring access to technical data, Analog Devices, Inc. may have to obtain export licensing approval from the U.S. Department of Commerce
Bureau of Industry and Security and/or the U.S. Department of State
Directorate of Defense Trade Controls. As such, applicants for this position – except US Citizens, US Permanent Residents, and protected individuals as defined by 8 U.S.C. 1324b(a)(3) – may have to go through an export licensing review process.
Analog Devices, Inc. is an Equal Opportunity Employer Minorities/Females/Vet/Disability
EEO is the Law: Notice of Applicant Rights Under the Law
Education Level: Bachelor's Degree
Travel Required: No
GENERAL SUMMARY OF RESPONSIBILITIES:
Responsible for completion of loan credit analyses for commercial and ag loan relationships.
DESCRIPTION OF PRIMARY DUTIES:
Perform credit analyses and financial statement reviews on commercial and ag loan relationships.
Create professional credit presentations and recommendations for review by key lending personnel
Monitor loan requests and risk ratings for adherence to written lending policies and regulatory guidelines.
Meet with commercial customers of the Bank on a scheduled basis in conjunction with the loan officers to foster relationships and enhance the Bank's understanding of credits.
Complete required training associated with job function.
SKILLS AND ABILITIES REQUIRED:
Strong communication skills
Analytical in nature
Possess stronger than average time management, organization, and multi-tasking skills
Business writing skills
Comfortable in a team environment working with deadlines.
Bachelor's degree in Accounting, Finance, or Business Administration and/or commensurate banking experience.
Knowledge of spreadsheet and word processing software, specifically Excel, Word, and Microsoft Office.
Formal training in Microsoft Excel preferred
This Job Description describes the general nature and level of work performed by the individual assigned to this position and should not be interpreted as all inclusive. It does not state or imply that these are the only duties and responsibilities assigned to the position. The employee may be required to perform other job-related duties. All requirements are subject to change and to possible modification to reasonably accommodate individuals with a disability.
This job description does not constitute an employment agreement between the employer and the employee and is subject to change by the employer as the needs of the employer and requirements of the position change.
Who we are
Collaborative. Respectful. A place to dream and do. These are just a few words that describe what life is like at Toyota. As one of the world's most admired brands, Toyota is growing and leading the future of mobility through innovative, high-quality solutions designed to enhance lives and delight those we serve. We're looking for diverse, talented team members who want to grow and start their impossiblewith us.
An important part of the Toyota family is Toyota Financial Services (TFS), the finance and insurance brand for Toyota and Lexus in North America. While TFS is a separate business entity, it is an essential part of this world-changing company – delivering on Toyota's vision to move people beyond what's possible. At TFS, you will help create best-in-class customer experiences in an innovative, collaborative environment
Who we're looking for
Toyota's Boston (Chelmsford, MA) Dealer Sales and Service Office (DSSO) is looking for a passionate and highly-motivated Credit Analyst.
The primary responsibility of this role is to analyze and make determinations on approval, conditioning and rejection of retail and lease credit applications received from automotive dealerships.
Reporting to the Credit Supervisor, the person in this role will support TFS' DSSO objectives.
What you'll be doing
Maintaining decision call back times at or below established objectives
Cultivating and preserving strong relationships with dealer personnel
Evaluating and negotiating deals as necessary in order to maintain the quality of purchases within established guidelines
Advising management of any problems or irregularities pertaining to retail, lease or wholesale financing, breeches of trust or other violations of TMCC plans
Monitoring dealer trends and identifying and reporting adverse issues
Assisting with Wholesale areas as needed
What you bring
Minimum of three years experience in automotive retail and/or wholesale financing preferred
Experience in retail credit, collections, dealership financial statements or wholesale preferred
Bachelors degree highly preferred
Strong attention to detail and organizational skills required
Excellent oral and written communications skills
Knowledge of Microsoft Office applications
What we'll bring
During your interview process, our team can fill you in on all the details of our industry-leading benefits and career development opportunities. A few highlights include:
A work environment built on teamwork, flexibility and respect
Professional growth and development programs to help advance your career, as well as tuition reimbursement
Vehicle purchase & lease programs
Comprehensive health care and wellness plans for your entire family
Flextime and virtual work options
Toyota 401(k) Savings Plan featuring a company match, as well as an annual retirement contribution from Toyota regardless of whether you contribute
Paid holidays and paid time off
Referral services related to prenatal services, adoption, child care, schools and more
Flexible spending accounts
Are you open torelocation in the future? The reason I ask is that we are considering adifferent structure for the field and there is a possibility that this officemay be located somewhere else
What you should know
Our success begins and ends with our people. We embrace diverse perspectives and value unique human experiences. We are proud to be an equal opportunity employer that celebrates the diversity of the communities where we live and do business. Applicants for our positions are considered without regard to race, ethnicity, national origin, sex, sexual orientation, gender identity or expression, age, disability, religion, military or veteran status, or any other characteristics protected by law.
Have a question or need assistance with your application? Check out the How to Apply section of our careers page on Toyota.com!
IBC Bank successes are the result of an aggressive and innovative attitude. The Bank's "We Do More" philosophy reflects it's dedication to the growth and success of it's employees, customers and communities. IBC bank hires talented, creative and dedicated individuals to help our business succeed. We are a company that values leadership, community engagement and relationship building that leads to a culture of excellence. We are currently seeking to fill positions across all business segments. IBC's focus is to be customer centric and strive to provide excellent customer experience.
202 Credit Administration
The Credit Analyst is primarily responsible for performing Loan Reviews and Loan Documentation Reviews, as well as other routine audits to ensure the accuracy and completeness of bank records and to support the bank in ensuring compliance with all State and Federal regulations.
ESSENTIAL JOB FUNCTIONS
The statements on this job description are intended to describe the general nature of level of work being performed by incumbents. They are not an exhaustive list of all responsibilities, duties, and skills required by all incumbents.
Perform loan reviews and loan document reviews to ensure compliance with bank, state and federal regulations
Perform routine audits on loans in the bank's system of record to validate completeness and accuracy
Prepare and verify reports used to support lending officers in the decision-making process, such as financial spreads, real estate evaluations, and amortization schedules.
Maintain accurate files and prepare information for examiners and auditors as needed
Assist lending officers in clearing exceptions
Attend Credit Quality, Executive Committee and Board meeting as required
Other duties as assigned
Good oral and written communication
Speaking and presentation
Proficiency in Word and Excel
EDUCATION & KNOWLEDGE
- Bachelor's degree (Finance, Accounting or Economics) or substantial completion preferred.
Oct 19, 2018 | Job Descriptions
First Savings Financial Group, Inc. is the holding company for First Savings Bank. First Savings Bank has sixteen offices in the Indiana communities of Clarksville, Jeffersonville, Sellersburg, New Albany, Georgetown, Corydon, Lanesville, English, Leavenworth, Marengo, Montgomery, Odon and Salem. Our mission is to create a higher quality of life for our customers, our employees, our community and our shareholders. We are committed to building customer relationships, conducting business with integrity, providing the best customer service and we count on our employees to deliver that outstanding service. We encourage an environment that supports teamwork, collaboration and cooperation. Career opportunities are available to individuals who want to be a part of our continued success and we value a diverse workforce. We also provide an excellent benefit package.
Equal Opportunity Employer Minorities, Women, Disabilities, Veterans
Bachelor's degree in Finance, Economics, or Accounting.
CPA, CRC, DLBB, or CCIM designations or formal credit training are preferred.
5 or more years of experience in commercial credit, commercial lending, or comparable credit roles.
Capable of considering complex variables and criteria to prudently adjudicate commercial lending transactions within designated lending authorities.
Exceptional financial analytical, business mathematical, organizational, problem solving and time management skills.
Excellent verbal and written communication skills.
High proficiency in Microsoft Office applications with high skills in Word, Excel and Power Points.
Ability to exercise judgment, initiative and tact in dealing with applicants, borrowers, lending officers, staff, supervisors and management.
Specific Job Functions:
Prepares Loan Approval Reports on complex Commercial Lending Transactions including transactions for Commercial and Industrial, Commercial Real Estate, and Acquisition and Development borrowers with recommendation for approval of loans outside of lending limit.
Adjudicates credit transactions within designated lending authority.
Actively participates in loan committee offering their opinion of the credit and/or responding to questions as the financial analyst for the credit requested.
Analyzes loan data on new, renewal and existing loans, including data provided by credit bureaus, other financial institutions and financial institution credit/collateral files.
Determines the proper risk rating for credits at time of loan origination and annually on relationships assigned for annual reviews.
Prepares spread sheets, credit memorandums, reports, summaries and opinions for retail, mortgage and commercial lending officers on new, renewal and existing loans.
Works with the loan officer and makes recommendations for proper loan structuring including term, amortization, loan conditions and covenants.
Spreads and analyzes personal and business financial statements, tax returns, management prepared financials and CPA prepared compilations, reviews and audited statements.
Assists with the timely collection of customer financial information as needed.
Keeps informed about current national and local economic and industry events, new accounting and finance rules and other events which can affect quality of the bank's loan portfolio.
Provides technical advice and assistance to loan officers as needed.
Performs UCC, credit bureau, D&B, loss avoidance, and other credit/industry and collateral specific investigations.
Performs other Credit and Credit Administration functions as required.
Adheres to Confidentiality Policy, Code of Ethics Policy, and all other internal and regulatory bank policies/procedures as well as all other consumer, mortgage and commercial compliance policies/procedures.
Responsible for being compliant with all internal and external policies, regulations and compliance requirements pertaining to job function.
Carries out other duties as may be assigned or requested.
JBS is seeking a Credit Analyst for the Account Services department at our Corporate Office in Greeley, CO.
Develop credit analysis and reports to anticipate and prevent risks for the company
Perform comprehensive financial analysis to assess all customers' financial risk
Assign risk ratings to customers based on analysis; recommend credit limit amounts and credit terms
Evaluate trade and bank references as well as customer's pay history with JBS
Perform business and benchmark analysis on new or existing customers, comparing them to industry norms
Negotiate with customers, where necessary, to obtain additional security
Work closely with Customer Master to ensure customer billing information is correct
Collect Applications and Sales and Use Tax Exemption Certificates from customers
Perform draws on Letters of Credit and assist in bankruptcy case management
Support the Collections Department in DSO reduction
Establish and maintain key customer and industry relationships to broaden our knowledge and help evaluate customer credit
Complete credit reference requests
Support senior management in controlling and monitoring performance inside the department
Proactively engage in new projects to find improvement opportunities in AR, AP processes or across our business units
Bachelor's Degree in Accounting
Experience in financial and credit analysis required
Strong leadership skills
Excellent written and verbal communication skills
Strong knowledge of GAAP required
Knowledge of GAAP for other countries, such as Japan, Mexico, and Canada a plus
Qlikview is a plus
SQL and VB is a plus
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