Senior Credit Risk Analyst

Summary:

The Senior Credit Risk Analyst performs various functions which are primarily concerned with analyzing the credit worthiness of customers or prospects by conducting in-depth financial analysis to determine the risk involved in granting a loan request.

Duties and Responsibilities:

1.      Conduct detailed financial analysis to assess the credit worthiness of borrowers.

2.       Assist in evaluating the credit risk associated with new and existing development projects, including conducting thorough industry and market research.

3.      Credit underwriting of real-estate proposals and construction finance proposals

4.      Prepare comprehensive credit reports and present findings to senior management, highlighting key risk factors and recommendations.

5.      Collaborate with the underwriting team to review loan applications and ensure compliance with internal policies and regulatory requirements.

6.      Monitor and assess changes in clients' financial situations, market conditions, and industry trends to identify potential risks and opportunities.

7.      Assist in the development and maintenance of credit risk models and tools to streamline the analysis process and enhance decision-making capabilities.

8.      Provide support in preparing credit proposals and recommendations for approval by senior management.

9.      Coordinate with internal stakeholders, including sales and relationship managers, to gather relevant information and ensure a holistic understanding of client profiles.

Job Qualifications/Skills:

1.      Bachelor's degree in Finance, Accounting, Economics, or a related field. A CFA certification is a must.

2.      Should possess sound knowledge of various real estate products like construction finance, inventory funding, lease rental discounting etc.

3.      Demonstrated understanding of financial analysis techniques.

4.      Strong analytical skills with the ability to interpret complex financial data and make informed recommendations.

5.      Proficiency in financial modeling and using Excel for data analysis. Knowledge of financial software and databases is advantageous.

6.      Detail-oriented and able to work independently as well as part of a team in a fast-paced environment.

7.       Knowledge of regulatory compliance and familiarity with industry best practices in credit analysis.