Senior Associate Credit Analyst

Make an impact with NTT DATA
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Your day at NTT DATA

The Senior Associate Credit Analyst is a developing subject matter expert, responsible for evaluating the creditworthiness of clients or any other external parties seeking IT services, solutions, or products on credit.
This role involves analyzing financial data, credit reports, and other relevant information to determine the risk associated with extending credit terms to external parties.
Working under the supervision of a manager, this role collaborates with the relevant cross functional teams to ensure sound credit decisions, the minimization of credit risk, and maintenance of healthy financial relationships with clients.

What you'll be doing

Key Responsibilities:

• Reviews credit applications from potential clients and conducts in-depth financial analysis to assess their creditworthiness.
• Analyzes financial statements, income statements, balance sheets, cash flow statements, and tax returns to evaluate the financial health of clients.
• Utilizes credit scoring models and/or credit analysis techniques to determine credit ratings and provide recommendations for credit approval or rejection.
• Ensures compliance with relevant credit policies, credit terms, and guidelines.
• Prepares comprehensive credit analysis reports, including key findings and risk assessments, for presentation to relevant stakeholders.
• Communicates credit decisions to relevant stakeholders explaining credit terms and conditions, and handling credit-related inquiries.
• Regularly monitors existing client accounts, conducting credit reviews, and recommending credit limit adjustments as necessary.
• Stays informed about the IT industry and market trends that may impact clients' credit risk.
• Maintains accurate and up-to-date credit files and documentation for each client.
• Performs any other credit analysis duties as required by the role.

Knowledge and Attributes:

• Good interpersonal skills with the ability to engage with clients in a professional and tactful manner.
• Excellent attention to detail with the ability to produce high quality work.
• Good verbal and written communication skills.
• Deadline driven with the ability to cope with stressful situations and different personalities.
• Ability to take own initiative and have a solutions-orientated approach.
• Proactive approach with the ability to think ahead in a fast-paced environment.
• Strong analytical skills with the ability to understand underlying business drivers and provide actionable insights.
• Knowledge of accounting practices and principles.
• Good understanding of financial statements, credit analysis, and risk assessment methodologies

Academic Qualifications and Certifications:

• Bachelor's degree or equivalent in Finance, Accounting, Economics, or a related field preferred.

Required Experience:

• Moderate level of experience as a Credit Analyst or in a similar financial analysis role is preferred.
• Moderate level of experience with accounting software.
• Moderate level of experience within finance in a company with international operations.
• Some relevant experience working with large corporate clients.

Workplace type:

On-site Working

About NTT DATA
NTT DATA is a $30+ billion trusted global innovator of business and technology services. We serve 75% of the Fortune Global 100 and are committed to helping clients innovate, optimize and transform for long-term success. We invest over $3.6 billion each year in R&D to help organizations and society move confidently and sustainably into the digital future. As a Global Top Employer, we have diverse experts in more than 50 countries and a robust partner ecosystem of established and start-up companies. Our services include business and technology consulting, data and artificial intelligence, industry solutions, as well as the development, implementation and management of applications, infrastructure, and connectivity. We are also one of the leading providers of digital and AI infrastructure in the world. NTT DATA is part of NTT Group and headquartered in Tokyo.

Equal Opportunity Employer
NTT DATA is proud to be an Equal Opportunity Employer with a global culture that embraces diversity. We are committed to providing an environment free of unfair discrimination and harassment. We do not discriminate based on age, race, colour, gender, sexual orientation, religion, nationality, disability, pregnancy, marital status, veteran status, or any other protected category. Join our growing global team and accelerate your career with us. Apply today.