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Title
Text copied to clipboard!Commercial Credit Provider
Description
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We are looking for a dedicated and experienced Commercial Credit Provider to join our dynamic finance team. The ideal candidate will be responsible for assessing the creditworthiness of commercial clients, analyzing financial statements, and making informed decisions regarding credit approvals. You will play a crucial role in managing credit risk, ensuring compliance with internal policies and external regulations, and maintaining strong relationships with clients to support their financial needs and business growth.
In this role, you will collaborate closely with sales teams, risk management departments, and senior management to ensure that credit decisions align with the company's strategic objectives and risk appetite. You will be expected to conduct thorough financial analyses, including cash flow projections, profitability assessments, and industry comparisons, to accurately evaluate the financial health and repayment capacity of potential and existing clients.
Your responsibilities will also include preparing detailed credit reports, presenting recommendations to credit committees, and continuously monitoring the credit portfolio to identify and mitigate potential risks. You will be required to stay updated on market trends, economic conditions, and industry developments to proactively manage credit exposure and provide valuable insights to stakeholders.
The successful candidate will possess strong analytical skills, attention to detail, and the ability to make sound judgments under pressure. Excellent communication and interpersonal skills are essential, as you will interact regularly with clients, colleagues, and senior executives. You should be comfortable working independently as well as collaboratively within a team environment.
We offer a supportive and inclusive work environment, opportunities for professional growth, and competitive compensation packages. If you are passionate about finance, enjoy analyzing complex financial data, and thrive in a challenging yet rewarding role, we encourage you to apply and become a valuable member of our team.
As a Commercial Credit Provider, you will have the opportunity to significantly impact our organization's success by ensuring prudent credit management practices, fostering strong client relationships, and contributing to the overall financial stability and growth of our business. Join us and help shape the future of commercial credit solutions.
Responsibilities
Text copied to clipboard!- Evaluate creditworthiness of commercial clients through detailed financial analysis.
- Prepare comprehensive credit reports and present recommendations to credit committees.
- Monitor existing credit portfolios to identify and mitigate potential risks.
- Collaborate with sales and risk management teams to align credit decisions with company objectives.
- Ensure compliance with internal credit policies and external regulatory requirements.
- Maintain strong relationships with clients to support their financial needs and business growth.
- Stay informed about market trends, economic conditions, and industry developments.
Requirements
Text copied to clipboard!- Bachelor's degree in Finance, Accounting, Economics, or related field.
- Minimum of 3 years experience in commercial credit analysis or related role.
- Strong analytical and financial modeling skills.
- Excellent communication and interpersonal abilities.
- Proficiency in financial analysis software and Microsoft Office Suite.
- Ability to work independently and collaboratively within a team.
- Knowledge of relevant regulatory requirements and credit risk management practices.
Potential interview questions
Text copied to clipboard!- Can you describe your experience with commercial credit analysis?
- How do you approach evaluating the creditworthiness of a new client?
- What financial metrics do you consider most important when assessing credit risk?
- How do you stay updated on market trends and economic conditions relevant to credit decisions?
- Can you provide an example of a challenging credit decision you made and how you handled it?
