Credit Analyst

Vintti specializes in providing US companies with a financial edge through smart staffing solutions. We bridge the gap between American businesses and Latin American talent, offering access to a vast pool of skilled professionals at competitive rates. This approach enables our clients to scale their operations more efficiently, reduce hiring costs, and invest in growth opportunities without compromising on quality.

A Credit Analyst is a financial professional responsible for evaluating and assessing the creditworthiness of individuals or businesses. By analyzing financial statements, credit reports, and other relevant data, they help determine the risk associated with lending money or extending credit. Their role involves making recommendations on whether to approve or deny credit applications, setting credit limits, and identifying potential risks that could affect repayment. Effective credit analysts possess strong analytical skills, attention to detail, and the ability to interpret financial information accurately to support informed decision-making in lending practices.

- Bachelor's degree in finance, accounting, business, or a related field
- Minimum of 2-3 years of experience in credit analysis or a similar role
- Strong analytical skills and attention to detail
- Proficiency in financial statement analysis
- Excellent understanding of credit scoring systems and risk assessment techniques
- Familiarity with industry trends, regulatory changes, and economic shifts impacting credit
- Exceptional communication and interpersonal skills
- Proficiency with financial software and databases
- Strong problem-solving and decision-making abilities
- Ability to work independently and collaboratively across departments
- Strong organizational and time management skills
- Knowledge of credit policies and procedures
- Ability to prepare and present detailed reports and analyses
- Experience in customer interaction and client relationship management
- High level of integrity and confidentiality in handling sensitive financial information

- Analyze credit data and financial statements to assess risk in extending credit or lending money
- Evaluate customer records and recommend appropriate payment plans
- Prepare and deliver detailed credit analysis reports to management and stakeholders
- Monitor existing accounts to ensure timely payments and assess financial status changes
- Review balance sheets, income statements, and cash flow statements to gauge financial health
- Meet with clients to gather financial information and discuss credit options
- Use credit scoring systems to predict debt repayment likelihood
- Coordinate with other departments to resolve credit issues and improve approval processes
- Stay informed on industry trends, regulatory updates, and economic changes affecting credit risk
- Assist in developing and implementing credit policies and procedures
- Recommend credit enhancements such as securing collateral or better terms
- Conduct due diligence and background checks on new credit applicants
- Respond to and provide guidance on customer inquiries regarding credit matters
- Review delinquent accounts and initiate collections or adjustments as needed
- Prepare and present detailed credit risk and portfolio performance analyses to senior management

The ideal candidate for the Credit Analyst role will possess a bachelor's degree in finance, accounting, business, or a related field, complemented by a minimum of 2-3 years of experience in credit analysis or a similar position. This individual will have a strong analytical mindset with exceptional attention to detail and proficiency in financial statement analysis. They will demonstrate an excellent understanding of credit scoring systems and possess effective risk assessment capabilities. Their updated knowledge of industry trends, regulatory changes, and economic shifts will be pivotal in making informed decisions. The candidate will have exceptional communication and interpersonal skills, allowing them to interact confidently with clients and internal stakeholders. They will be proficient with financial software tools and databases, supporting their robust problem-solving abilities and decisive judgment. While being an independent worker with the ability to collaborate effectively across departments, the candidate will be highly organized with strong time management skills. Deep knowledge of credit policies and risk strategies, along with the capability to prepare detailed reports and present comprehensive analyses, will be essential. Experience in customer relationship management, coupled with a high level of integrity and confidentiality in handling sensitive financial information, will set this candidate apart as a vital asset to the team.

- Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money
- Evaluate customer records and recommend payment plans based on credit history and financial stability
- Prepare reports that detail credit analysis findings and deliver them to management or relevant stakeholders
- Monitor existing accounts to ensure timely payments and identify changes in financial status that may affect creditworthiness
- Assess the financial health of companies by reviewing their balance sheets, income statements, and cash flow statements
- Meet with clients to gather financial information, discuss credit options, and negotiate repayment terms
- Utilize credit scoring systems to determine the likelihood that a customer will repay their debt
- Coordinate with other departments to resolve credit issues and streamline the credit approval process
- Stay updated on industry trends, regulatory changes, and economic shifts that may impact credit risk
- Assist in developing and implementing credit policies and procedures to enhance risk management strategies
- Provide recommendations for credit enhancements, such as securing collateral or negotiating better terms
- Conduct due diligence and background checks on new credit applicants to verify accuracy of information provided
- Respond to customer inquiries and provide guidance on credit-related matters
- Review delinquent accounts and initiate collections or adjustment actions, including contacting clients to resolve payment issues
- Prepare and present detailed analyses to senior management regarding credit risks and portfolio performance

- Strong analytical mindset
- Keen attention to detail
- Proficiency in financial statement analysis
- Excellent understanding of credit scoring systems
- Effective risk assessment capabilities
- Updated knowledge of industry trends and regulatory changes
- Exceptional communication skills
- Strong interpersonal skills
- Proficiency with financial software tools and databases
- Robust problem-solving abilities
- Decisive and sound judgment
- Independent working ability
- Collaborative team player
- Strong organizational skills
- Effective time management
- Knowledge of credit policies and risk strategies
- Capable of preparing thorough reports and presenting analyses
- Experience in customer relationship management
- High integrity and confidentiality with financial data

- Competitive salary range ($60,000 - $90,000 per year, depending on experience)
- Comprehensive health, dental, and vision insurance
- Retirement savings plan with employer match
- Paid time off (PTO) including vacation, sick leave, and holidays
- Flexible work hours and remote work opportunities
- Professional development and training programs
- Tuition reimbursement for further education
- Performance-based bonuses and incentives
- Employee wellness programs and gym membership discounts
- Life insurance and disability coverage
- Employee assistance program (EAP)
- Opportunities for career advancement within the company
- Collaborative and supportive work environment
- Company-sponsored networking and social events
- Access to financial planning and investment resources