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Title
Text copied to clipboard!Credit Specialist
Description
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We are looking for a highly motivated and detail-oriented Credit Specialist to join our financial team. The ideal candidate will be responsible for analyzing customer creditworthiness, assessing credit risks, and making informed decisions regarding the approval or denial of credit applications. This role is essential to ensure the financial health of the company and minimize losses due to defaults.
The Credit Specialist will work closely with the sales, accounting, and customer service departments to ensure credit policies are effectively implemented. Additionally, the candidate must stay up to date with financial regulations and industry best practices.
Key responsibilities include reviewing credit reports, verifying financial references, preparing risk reports, and recommending credit limits. The specialist will also monitor existing accounts for warning signs and take preventive actions when necessary.
We are seeking someone with excellent analytical skills, the ability to make decisions under pressure, and a strong attention to detail. Previous experience in financial analysis or risk management is highly valued.
This position offers an excellent opportunity for professional growth in the financial sector within a dynamic and growing company. If you have a passion for numbers, analysis, and strategic decision-making, we encourage you to apply!
Responsibilities
Text copied to clipboard!- Analyze credit applications from new and existing clients.
- Evaluate credit reports and financial statements.
- Determine appropriate credit limits.
- Monitor accounts to identify potential risks.
- Collaborate with other departments to implement credit policies.
- Recommend corrective actions in cases of delinquency.
- Maintain accurate records of credit decisions.
- Ensure compliance with financial regulations.
- Prepare periodic credit risk reports.
- Participate in internal and external audits.
Requirements
Text copied to clipboard!- Bachelor’s degree in Finance, Accounting, or related field.
- Minimum 2 years of experience in credit analysis.
- Knowledge of financial analysis tools.
- Ability to interpret credit reports.
- Excellent written and verbal communication skills.
- Ability to work under pressure and meet deadlines.
- Proficiency in Microsoft Excel and financial software.
- Attention to detail and analytical thinking.
- Knowledge of local financial regulations.
- Proactive and results-oriented attitude.
Potential interview questions
Text copied to clipboard!- What is your previous experience in credit analysis?
- How do you determine the appropriate credit limit for a client?
- What tools do you use to assess credit risk?
- Have you worked with delinquent accounts? How did you manage them?
- How do you stay updated on financial regulations?
- What would you do if you detect a potential fraud signal?
- How do you handle high-pressure situations or tight deadlines?
- Do you have experience with financial management software?
- How do you collaborate with other departments on credit decisions?
- What key indicators do you consider when evaluating creditworthiness?
