Credit analyst
| Highest | $7,300 / mo · Switzerland |
|---|---|
| Experience | 2–4 yrs |
| Degree | Not required |
| First paycheck | 3-4 years of study (bachelor's) |
Pay in the destination countries
Monthly, in US dollars. Each country is an Imora admission package — open one for that route's fees, language requirement and deadline.
| Country | Monthly |
|---|---|
| SwitzerlandIELTS 6.5 · CHF 0.9–8k | $7,300max |
| United StatesTOEFL 80–100 · $10–70k | $6,200 |
| NorwayIELTS 6.0–6.5 · NOK 130–260k | $5,500 |
| Hong KongIELTS 6.0–6.5 · HK–200k | $5,100 |
| SingaporeIELTS 6.5 · SGD 18–35k | $5,100 |
| United KingdomIELTS 6.0–7.0 · £11–38k | $5,100 |
What does the day look like?
Your day does not involve customer sales or cold calling — a credit analyst is a non-customer-facing role. Around 40% of your time is spent spreading 3 to 5 years of financial statements, running ratio analysis (such as DSCR, Free Cash Flow, and leverage) in advanced Microsoft Excel, or using specialized tools like Moody's Analytics (CreditLens, RiskCalc) and S&P Capital IQ. Another 35% goes into drafting the structured Credit Memorandum, while 15% is dedicated to compliance and credit bureau checks through portals like KATM.
The remaining 10% of the day is spent presenting and defending your risk grading before the bank's Credit Committee. Work follows a regular corporate office schedule from 09:00 to 18:00, Monday through Friday. There are no night shifts or on-call duties, though overtime occurs during quarterly reporting peaks and ahead of credit committee deadlines.
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