Credit analysis is the assessment of the creditworthiness of a business or organisation. The audited financial state of a large company might be analysed when it issues or has issued bonds. Or, a bank may analyse the financial state of a small business before making or renewing a commercial loan.
Credit analysis involves a wide variety of financial techniques, including ratio and trend analysis as well as the creation of projections and examination of cash flows. Credit analysis also includes an examination of collateral and other sources of repayment as well as credit history and management ability. Analysts attempt to predict the probability that a borrower will not default on its debts, but also the severity of losses in the event of default. Credit spreads - the difference in interest rates between theoretically "risk-free" investments such as U.S. treasuries and investments that carry some risk of default- are the subjects of credit analysis by financial market participants.
Macdonald & Company prides itself on its experience in the recruitment of Credit Analysts. Our consultants will provide excellent guidance in order to accommodate your skills in this highly competitive sector. We cover many different retail property jobs across many different locations and are here to help you, whether you are an experienced retail property agent or simply looking for a new career move.