CAD

CAD Credit Analyst

Job Summary:

The CAD Credit Analyst plays a pivotal role in our financial department, responsible for evaluating credit applications and managing credit risk associated with customer transactions. This position ensures that our credit processes maximize profitability while minimizing risks, contributing directly to the financial health of the organization.

Key Responsibilities:

• Analyze credit data and financial statements to determine the creditworthiness of potential customers.
• Develop and maintain credit scoring models to streamline the credit assessment process.
• Monitor and manage existing credit accounts, ensuring compliance with company credit policies.
• Prepare detailed credit reports and present findings to senior management for decision-making purposes.
• Collaborate with the collections team to manage delinquent accounts and improve recovery rates.
• Conduct market research to assess competitive credit practices and recommend improvements.
• Ensure compliance with relevant regulations and internal controls affecting credit practices.

Requirements:

• Bachelor’s degree in Finance, Accounting, Business Administration, or a related field.
• Proven experience in credit analysis, risk management, or a similar role, ideally within a financial services environment.
• Strong analytical skills with proficiency in financial modeling and data interpretation.
• Excellent written and verbal communication skills for effective reporting and collaboration.
• Advanced knowledge of credit assessment tools and techniques.
• Detail-oriented with the ability to work independently and manage multiple priorities.
• Proficiency in Microsoft Excel and credit management software.

Preferred Qualifications:

• Master’s degree in a relevant field or professional certification (e.g., CFA, CPA) is a plus.
• Experience with alternative credit scoring systems and methodologies.
• Knowledge of regulatory compliance frameworks affecting credit management.
• Familiarity with database management and data analytics tools.
• Demonstrated ability to develop and implement process improvements within credit operations.

Benefits:

• Competitive salary with performance-based incentives.
• Comprehensive health, dental, and vision insurance plans.
• Generous retirement plan with company matching contributions.
• Flexible work hours and remote work opportunities.
• Professional development and training programs.
• Paid time off and holiday leave to promote work-life balance.
• Employee discounts and wellness programs.