Credit Analyst

We are looking for a professional Credit Analyst to determine our customers’ creditworthiness. You will analyze financial data to assess the likelihood of a customer honoring their financial obligations. This position will report directly to the Director of Credit.

 Responsibilities

• Review financial transactions (applications, statements, balance sheets, legal documents, etc) and credit history on a case-by-case basis to determine the level of risk
• Calculate ratios and conduct analysis to identify trends and develop accurate financial projections
• Create reports reflective of credit risk in a clear, concise and effective way
• Monitor customer accounts regularly to ensure risk mitigation and compliance with legal requirements
• Follow established credit policies, procedures and best practices consistently
• Retrieve, enter, update and audit information for credit applications
• Work closely with Account Representatives to keep accounts in good standing and resolve discrepancies
• Support internal and external audits by providing necessary documentation and analysis
• Conduct onboarding background checks for potential customers (review locations, entities, restricted parties, etc)

Requirements

• 5 years as a Credit Analyst or a similar role
• Bachelor’s in accounting or finance; or equivalent experience in credit evaluation and financial analysis
• Ability to analyze financial statements, cash flow reports, leverage, collateral and overall customer financial strength
• Strong analytical thinking, communication skills and sound professional judgement

Hours: 8:00 - 5:00

Fully in office located at: 5306 Hollister Street

Houston TX 77040

Smith is an equal opportunity employer

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We are an Equal Opportunity/Affirmative Action Employer.