Credit Analyst Duties & Responsibilities

The role and function of a Credit Analyst includes the following duties and responsibilities:

  • Investigate creditworthiness of existing or prospective clients
  • Examine financial transactions and credit history
  • Complete ratio, trend and cash flows analyses
  • Create projections based on historical data
  • Adhere to credit policy and guidelines
  • Monitor corporate portfolio asset quality
  • Draft models of credit information
  • Stay up to date with credit trends and patterns
  • Determine risk involved
  • Analyse data regularly
  • Produce clear and objective reports

Note that this is not an exhaustive list of Credit Analyst duties and responsibilities. Job functions for specific Credit Analyst roles may vary, depending on the industry and type of employer.