Financial Analyst: Career and Salary Facts
The focus is on current and forecasted debt- and liquidity ratios generally, and specifically those related to any loan covenants, such as DSCR and LTVR. In retail banking, credit analysts build models to determine an applicant’s creditworthiness, assign an initial credit score, and monitor this and the loan on the basis of an ongoing “behavioral” score. In the latter two roles, impairment- and provision-modelling are a prominent deliverable ; the PD, EAD and LGD statistics or models are provided by a separate credit-quant team.
- There is some overlap between the positions held by financial analysts and financial planners, but in