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A credit analyst [1] [2] is a person employed by an organization to analyze the credit worthiness of customers and potential customers, and to assist in the ongoing management, classification and quantification of credit risk thereafter. See Credit analysis § Role and Financial analyst § Corporate and other for discussion.
Because commercial loan officers analyze the finances of businesses applying for credit, they need to understand general business accounting, including how to read financial statements. [ 3 ] Some job seekers may be able to enter the occupation without a bachelor's degree if they have related work experience, such as experience in sales ...
A credit analyst at a bank will measure the cash generated by a business (before interest expense and excluding depreciation and any other non-cash or extraordinary expenses). The DSCR divides this cash flow amount by the debt service (both principal and interest payments on all loans) that will be required to be met. Commercial bankers prefer ...
The main duties of a bank examiner are to ensure that a bank's operations are legal and can provide financial stability. [1] A bank examiner will also review financial statements, evaluate the level of risk associated with loans, and assess the management of a bank.
Usually, financial analysts study a specific industry—called "sector specialists"—assessing current trends in business practices, products, and industry competition. [7] Among the industries with the most analyst coverage are biotechnology, financial services, energy, mining and resources, and computer hardware, software and services ...
Loan to value is a ratio of the loan amount to the value of the property. In addition, the combined loan to value (CLTV) is the sum of all liens against the property divided by the value. For example, if the home is valued at $200,000 and the first mortgage is $100,000 with second mortgage of $50,000, the LTV is 50% while the CLTV is 75%.
A business analyst should have knowledge in IT and/or business, but the combination of both of these fields is what makes a business analyst such a valuable asset to the business environment. As a minimum standard, a business analyst should have a "general understanding of how systems, products and tools work" in the business environment. [2]
Commercial lenders include commercial banks, mutual companies, private lending institutions, hard money lenders and other financial groups. These lenders typically have widely varying standards on which they base their loan criteria and evaluate potential borrowers—but are often focused exclusively on the private market and have more lenient financial qualifications than banks.
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