Credit Analyst

SUMMARY:
A well-established company based in Melrose is seeking an astute, analytical, and commercially minded  Credit Analyst to join their team. This is an excellent opportunity for a finance professional skilled in evaluating risk, making sound lending decisions, and supporting quality credit outcomes in a dynamic environment.

POSITION INFO:
Key Responsibilities: Credit Risk Assessment: Analyse financial statements, bank statements, management accounts, and tax records. Assess creditworthiness using financial ratios, cash flow analysis, and debt servicing capacity. Evaluate both quantitative and qualitative factors, including business model, industry risk, and management capability. Deal Evaluation & Structuring Support: Review and stress-test proposed deal structures to assess viability. Recommend appropriate deal terms including deposits, repayment periods, residual values, pricing, and security. Identify risks and propo...