Jean Martin

We are excited to invite skilled professionals to join our JMI.Ai team as a Credit Analyst. This pivotal role entails conducting detailed evaluations of creditworthiness and assessing risks associated with lending decisions. By analyzing financial statements, credit histories, economic conditions, and industry trends, you will play a key role in identifying, quantifying, and mitigating risks while supporting informed decision-making processes.

Your primary responsibilities will include preparing comprehensive credit reports for senior analysts, maintaining meticulous credit files and databases, and tracking critical financial metrics like loan-to-value ratios, debt-service coverage ratios, and payment behaviors.

Key Responsibilities:

Credit Evaluation:

- Examine financial statements, credit histories, economic conditions, and industry trends to assess potential risks.

- Identify, evaluate, and report risks tied to lending decisions.

- Draft and present thorough credit reports and summaries for senior analyst review.

- Ensure accurate and organized record-keeping of credit files and databases.

- Monitor vital metrics, including loan-to-value ratios, debt-service coverage ratios, and customer payment patterns.

Qualifications and Skills:

Educational Background:

- A bachelor's degree in Finance, Accounting, Economics, or a related discipline is required.

- Advanced qualifications such as a master's degree or professional certifications like CFA or CA are highly advantageous.

Technical Expertise:

- Expertise in financial modeling and analysis.

- Advanced proficiency with Microsoft Excel and credit analysis tools.

- Comprehensive understanding of credit rating systems and risk assessment frameworks.

Key Competencies:

Strong analytical and problem-solving abilities.

Exceptional written and verbal communication skills.

Attention to detail and the ability to prioritize tasks in a time-sensitive, high-pressure environment.

A collaborative approach, fostering effective teamwork across diverse functional A minimum of 2 to 5 years of experience in credit analysis, banking, or financial risk management.

- Demonstrated success in assessing creditworthiness and making informed lending decisions.

Why Join Us?

At JMI.Ai, we strive to create a work environment that combines challenging opportunities with a culture of innovation and collaboration. By joining our team, you'll have the chance to expand your expertise in financial risk management while contributing to data-driven, strategic decisions that shape our organization's future.

This role is perfect for professionals passionate about leveraging their analytical skills and industry knowledge to manage risk and foster financial stability. With access to cutting-edge tools and a supportive team, you will grow both personally and professionally in a dynamic, fast-paced setting.

If you are detail-oriented, analytical, and driven by results, we encourage you to apply and make a meaningful impact as part of our organization.