Credit Analyst

A credit analyst role involves assessing the creditworthiness of an individual or company to determine the likelihood that they will honor their financial obligations. Credit analysts evaluate a borrower’s past financial and credit history to determine their financial health and their ability to repay credit advanced to them by a lender. Typically, credit analysts are employed by credit rating agencies, credit card-issuing companies, commercial and investment banks, and investment companies. 

Responsibilities of a Credit Analyst: 

    •    Data Analysis: 

Gather and review financial data, such as income statements, balance sheets, and credit reports, to assess the borrower's ability to repay debt.  

 •    Risk Assessment: 

Evaluate the risk associated with extending credit, considering factors like income, debt-to-income ratio, credit history, and payment behavior.  

 •    Recommendation: 

Based on analysis, provide recommendations on loan approvals, credit limits, and other lending decisions.  

   •    Reporting: 

Document findings and present them in clear and concise reports.  

   •    Collaboration: 

Work with other departments, such as lending, sales, and operations, to ensure consistent credit risk management practices.  

Required Skills: 

    •    Analytical Skills: Strong analytical and critical thinking abilities to interpret financial data. 

 •    Quantitative Skills: Proficiency in mathematics and statistics to perform financial modeling and risk analysis.  

  •    Communication Skills: Ability to clearly communicate findings and recommendations to stakeholders.  

  •    Problem-Solving Skills: Ability to identify potential credit risks and develop solutions.  

  •    Attention to Detail: Rigorous attention to detail to ensure accuracy in analysis and reporting.  

•    Industry Knowledge: Familiarity with financial institutions, lending practices, and credit risk management principles.  

Required: 

• Bachelors degree in Business or related field, or commensurate work experience 

• 2+ years of professional, relevant work experience in accounting, collections, customer service or similar function 

• Moderate to Advanced Excel skills 

• Analytical aptitude 

• Good communication and organizational skills 

• High degree of detail orientation and professionalism 

• Able to work efficiently and effectively in a highly detailed role 

• Proven success in delivering results in a high-growth environment 

• Strong computer skills in a Windows-based environment and the ability to learn and utilize unique proprietary software programs. 

About Smart Care

Smart Care is a national repair and service provider for commercial foodservice, refrigeration, and cold storage equipment. Our offering of comprehensive mechanical services includes hot side cooking equipment, stand-alone refrigeration, specialty coffee and beverage, complex rack refrigeration and HVAC.

Smart Care is an Equal Employment Opportunity/Affirmative Action Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or other protected class status.  All qualified individuals are encouraged to apply. If you need a reasonable accommodation with respect to Smart Care’s application or hiring process due to a disability, please contact the Human Resources department at HR@smartcaresolutions.com.