Credit analysis is the method by which one calculates the creditworthiness of a business or organization. In other words, It is the evaluation of the ability of a company to honor its financial obligations. The audited financial statements of a large company might be analyzed when it issues or has issued bonds. Or, a bank may analyze the financial statements of a small business before making or renewing a commercial loan. The term refers to either case, whether the business is large or small. The objective of credit analysis is to look at both the borrower and the lending facility being propos ...
ed and to assign a risk rating. The risk rating is derived by estimating the probability of default by the borrower at a given confidence level over the life of the facility, and by estimating the amount of loss that the lender would suffer in the event of default. Credit analysis involves a wide variety of financial analysis techniques, including ratio and trend analysis as well as the creation of projections and a detailed analysis of cash flows. Credit analysis also includes an examination of collateral and other sources of repayment as well as credit history and management ability. Analysts attempt to predict the probability that a borrower will default on its debts, and also the severity of losses in the event of default. Credit spreads—the difference in interest rates between theoretically "risk-free" investments such as U.S. treasuries or LIBOR and investments that carry some risk of default—reflect credit analysis by financial market participants.
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Position: Loan Review Analyst. Department: Audit and Compliance. Location: Wichita, KS (on-site). Status: Full-Time (Hourly). Jump start your career at. Equity Bank. We are currently hiring energetic, team oriented, and community focused individuals to join our team. With a team of best-in-class customer service experts, you'll help to build and expand on client relationships, deliver the banking products and services that meet the unique and ind...
Job Title. Refund/Credit Specialist. Location. Columbus, Ohio - Onsite. Job Description. M-Thu in office with the potential to be remote on Friday. Industry. Food & Beverages. Job Category. Finance / Accounting. Pull a daily report from Food Logic for any credit request in the following status, Credit Rejected, No Credit Requested, Restaurant Review. Add the daily report to the running list, remove any duplicate incident IDs. Pull up each inciden...
POSITION SUMMARY. Under the joint direction of the CEO and the Board of Directors, and reporting to the Chief Risk Officer, the position is responsible for the review of the organization’s loan policy and procedures and monitoring of the loan portfolio on a continuing basis in order to prevent loan losses. assure documentation is in compliance with loan committee approvals, state and/or federal regulations. assist in detection of deterioration in...
Description. In conjunction with the Commercial Loan Committee, the Credit Analyst develops, maintains, and implements sound credit policies & procedures. Responsible for the processing of daily credit transactions per the credit policy and procedure manuals. maintains records and files on all credit transactions, including correspondence and documents. Responsibilities. Manage daily processing of credit transactions. perform initial credit analy...
Senior Commercial Credit Analyst (Commercial Underwriting exp). Job Overview. We are seeking a detail-oriented and experienced Senior Credit Analyst to join our dynamic financial team. In this role, you will be responsible for conducting comprehensive credit analyses, evaluating financial data, and providing insights that support lending decisions. The ideal candidate will possess strong financial acumen and a solid understanding of credit risk m...
Job Summary. We are seeking a motivated and detail-oriented Commercial Loan Officer to join our Commercial team. The ideal candidate will be responsible for guiding clients through the loan application process, assessing their cash flow needs, and providing tailored loan solutions for either refinance or selling. This role requires strong customer service skills, a solid understanding of commercial property and cash flow analyst, and proficiency ...
Job Title: Entry-Level Underwriter. Merchant Cash Advance. Position Overview. We're looking for a detail-oriented Entry-Level Underwriter to join our team. In this role, you'll evaluate Merchant Cash Advance applications. You'll work closely with senior underwriters, assessing applicant creditworthiness, mitigating risks, and preparing files for their review. Key Responsibilities. 1. Application Review. Analyze MCA applications to evaluate client...
Job Overview. We are seeking a detail-oriented and analytical Credit Specialist to join our Credit and Collections team. The ideal candidate will possess a solid understanding of credit analysis This role is essential in assessing creditworthiness, negotiating terms, and providing financial forecasts to support our lending operations. Responsibilities. Conduct thorough credit analysis to evaluate the financial stability of potential borrowers. Ne...
Job Summary. As a Credit Analyst, you will be responsible for assessing the creditworthiness of individuals or companies applying for loans. Your role will involve analyzing financial data to determine the risk involved in extending credit. Responsibilities. Collect and analyze financial information such as income statements and cash flow projections. Evaluate credit applications and determine the credit risk. Conduct equity research and analyze ...
Waterfall Asset Management, LLC is an SEC-registered alternative investment manager focused on specialty finance opportunities within asset-backed credit, whole loans, real assets, and private equity. Waterfall was founded in 2005 by Tom Capasse and Jack Ross, two individuals who were early leaders of the ABS industry, and who together have over 60 years of proven ABS/Loan credit analysis, trading, banking, and servicing experience. Waterfall se...
Credit Underwriter. The Lyons National Bank, a growth oriented community bank located in the Finger Lakes Region of Central New York, is currently seeking an extremely self-motivated and responsible professional to fill the position of Credit Underwriter. this is not a remote position, office will be located within the LNB footprint This position is responsible for providing an in-depth financial analysis of moderate to complex credit relationshi...
. About the Bank. Sumitomo Mitsui Trust Bank, Limited was established through the merger of The Sumitomo Trust and Banking Co., Ltd with Chuo Mitsui Trust and Banking, Ltd. on April 1, 2012. We are one of the largest asset managers in Asia and number one among Japanese financial institutions by AUM, with approximately $850 Billion USD in AUM. The Bank provides an assortment of financial solutions and manages a broad spectrum of financial products...
