What does a Credit Analyst do?
- Analyses the borrower's financial statements
- Assesses solvency and collateral
- Runs the rating model calculation
- Prepares the opinion and terms for the credit committee
Which skills do you need?
Financial statement analysisCredit riskRating modelsExcelBanking regulationsAttention to detailStructured thinking
How to become a Credit Analyst?
- 1Bachelor's: finance, accounting or economics
- 2Practice: courses in financial statements and credit analysis
- 3Junior credit analyst: work at a bank or a leasing company
What is the work environment like?
Office and document flow: statements, the model and the credit committee. The work runs on rules and deadlines — mistakes are costly.