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New York, NY, USA Strategy, M&A
Manager
10 years experience
  • Credit Analysis
  • Financial Modeling
  • M&A
  • Corporate Finance
  • +20
Hire Michael
Berlin, Germany Strategy, M&A
Manager
9 years experience
  • Credit Analysis
  • Financial Modeling
  • Corporate Finance
  • Financial Analysis
  • +7
Hire Gloria
New York City Metropolitan Area Strategy, M&A
Associate
6 years experience
  • Credit Analysis
  • Financial Modeling
  • Business Strategy
  • M&A
  • +27
Hire Bella
Berlin, Germany M&A, Venture Capital
Senior
3 years experience
  • Credit Analysis
  • Financial Modeling
  • Business Strategy
  • Corporate Finance
  • +55
Hire Sugandh
Madrid, Community of Madrid, Spain M&A, Investment Management
Associate
1 years experience
  • Credit Analysis
  • Financial Modeling
  • Corporate Finance
  • Financial Analysis
  • +8
Hire Ana
New York, New York, United States Strategy, M&A
Manager
5 years experience
  • Credit Analysis
  • Financial Modeling
  • M&A
  • Corporate Finance
  • +8
Hire Erik
Lyon, France Strategy, M&A
Associate
8 years experience
  • Credit Analysis
  • Financial Modeling
  • M&A
  • Financial Analysis
  • +16
Hire Anna
Houston, TX, USA Strategy, M&A
Manager
6 years experience
  • Credit Analysis
  • Financial Modeling
  • Business Strategy
  • M&A
  • +9
Hire Toey
Our credit analysis consultants helps clients ascertain the availability and health of different kinds of credits owed by a firm, such as receivables, payables, trade accounts payable, inventories etc.

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Frequently asked questions

What clients usually engage your Credit Analysis Consultants?

We work with clients from all over the world. Our clients range from enterprise and corporate clients to companies that are backed by Private Equity or Venture Capital funds. Furthermore, we work directly with Family Offices, Private Equity firms, and Asset Managers. Most of our enterprise clients have dedicated Corporate Development, M&A, and Strategy divisions which are utilizing our pool of Credit Analysis talent to add on-demand and flexible resources, expertise, or staff to their in-house team.

How is Fintalent different?

Fintalent is not a staffing agency. We are a community of best-in-class Credit Analysis professionals, highly specialized within their domains. We have streamlined the process of engaging the best Credit Analysis talent and are able to provide clients with Credit Analysis professionals within 48 hours of first engaging them. We believe that our platform provides more value for Corporates, Ventures, Private Equity and Venture Capital firms, and Family Offices.

Our Hiring Process – What do ‘Community-Approach’ and ‘Invite-to-Apply’ mean?

‘Invite-to-Apply’ is the process by which we shortlist candidates for the majority of projects on our platform. Often, due to the confidential nature of our clients’ projects, we do not release projects to our whole platform but using the matching technology and expertise of our internal team we select candidates who are the best fit for our clients’ needs. This approach also ensures engagement with our community of professionals on the Fintalent platform, and is a benefit both to our clients and independent professionals, as our freelancers have direct access to the roles best suited to their skills and are more likely to take an interest in a project if they have been sought out directly. In addition, if a member of our community is unavailable for a project but knows someone whose skill set perfectly fits the brief, they are able to invite them to apply for the role, utilizing the personal networks of each talent on our platform.

Which skills and expertise do your Fintalents have?

The Fintalents are hand-picked and vetted Credit Analysis professionals, speak over 55 languages, and have professional experience in all geographical markets. Our Credit Analysis consultants’ experience ranges from 3+ years as analysts at top investment banks and Strategy consultancies, to later career C-level executives. The average working experience is 6.9 years and 80% of all Fintalents range from 3-12 years into their careers.

Our Credit Analysis consultants have experience in leading firms as well as interfacing with clients and wider corporate structures and management. What makes our Credit Analysis talent pool stand out is the fact that they have technical backgrounds in over 2,900 industries.

How does the screening and onboarding of your Credit Analysis talent work?

Fintalent.io is an invite-only platform and we believe in the power of referrals and a closed-loop community. Members of our community are able to invite a small number of professionals onto the platform. In addition, our team actively scouts for the best talent who have experience in investment banking or have worked at a global top management consultancy. All of our community-referred talent and scouted talent are subject to a rigorous screening process. As such, over the last 18 months totaling more than 750 hours of onboarding calls, of which only 40% have received an invite-link after the call.

What happens if I am not satisfied with my Credit Analysis consultant’s work?

During your initial engagement with a member of our Fintalent talent pool with no risk. If you are not satisfied with the quality of your hire for any reason then we are able to find a replacement at short notice. There is no minimum commitment per project, but generally projects last at least 5 days and can last 12+ months.

We are a community-based M&A staffing platform.

With our platform, you can fill full-time M&A roles, or staff your team with a Credit Analysis expert when you need an extra hand.

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Everything you need to know about Credit Analysis

What is Credit Analysis?

The purpose of evaluating debts is to determine whether or not the debt can be repaid on time and if there will be penalties charged in case payments are late. Credit analysis is a process to ascertain the availability and health of different kinds of credits owed by a firm, such as receivables, payables, trade accounts payable, and inventories.

Credit analysis is the assessment of a company’s ability to repay a debt based on the analysis of such factors as financial statements, industry conditions, management and labor relations. Fintalent’s credit analysis consultants also observe that it provides a basis for approving or rejecting credit applications by identifying risks and surcharges that should be applied to a particular borrower.

The term “credit analysis” may also refer to the evaluation of an individual’s ability to make payments on loans or other credits, such as credit cards or mortgages. Credit analysis is based on the evaluation of debtors’ current and long-term prospects, with special emphasis on their future behavior in terms of payment performance. This type of credit analysis is conducted mainly for retail credit organizations. Credit analysis can be carried out independently or in conjunction with financial statement analysis.

Credit analysis is the evaluation of a company’s ability to repay debt, based on the analysis of such factors as financial statements, industry conditions, management and labor relations. It provides a basis for approving or rejecting credit applications by identifying risks and surcharges that should be applied to a particular borrower. Fintalent’s credit analysis consultants also refer to credit analysis as credit scoring. Others may refer to it as or “credit risk assessment.”
The purpose of evaluating debts is to determine whether or not the debt can be repaid on time and if there will be penalties charged in case payments are late.

Credit analysis is the assessment of a company’s ability to repay a debt based on the analysis of such factors as financial statements, industry conditions, management and labor relations. It provides a basis for approving or rejecting credit applications by identifying risks and surcharges that should be applied to a particular borrower.

The term “credit analysis” may also refer to the evaluation of an individual’s ability to make payments on loans or other credits, such as credit cards or mortgages. Credit analysis is based on the evaluation of debtors’ current and long-term prospects, with special emphasis on their future behavior in terms of payment performance. This type of credit analysis is conducted mainly for retail credit organizations.

Credit analysts are responsible for analyzing the debt quality and payment status of customers, making recommendations as to whether to grant or deny credit, or how much surcharges should be applied to a particular borrower. They are also responsible for determining the risks associated with a particular issuer’s overall financial health and how that relates to the entity’s ability to pay back debts.

Credit analysts use data from financial statements, industry trends and economic indicators, management experience, labor relations and other factors to build an analysis on the expected performance of the entity that wants get credit. The job can require additional training in areas such as statistics and accounting.

How to Carry out Credit Analysis

The primary consideration in evaluating creditworthiness is the ability of the debtor to meet contractual obligations. The standard ways to evaluate debt are by

  1. projecting cash flow, and
  2. Examining financial statements.

Fintalent’s expert Credit analysts generally consider the following factors when determining the likelihood of a borrower being able to repay their debts: cash flow, industry trends, business history, and financing sources. Financial forecasts can also be used to examine future performance estimates. Other sources of information could include historical performance, trends, and industry indicators.

Credit Scoring

One of the most important aspects in determining creditworthiness is the ability to repay debt and many creditors will use statistical models in an attempt to predict whether or not a person or business will meet their financial obligations. Credit scoring is a type of mathematical model used during the decision-making process concerning credit risk, that is, the probability that a borrower may perform payments according to agreed schedule. Credit scoring models are used widely by lenders for evaluation of applicants for loans or other extensions of credit as well as monitoring credit risk. Credit scores can range from 100 to 900 points.

Credit scoring is also known as credit risk assessment. Credit scores are widely used in the United States and many other countries for evaluating consumer creditworthiness, especially for unsecured loans such as mortgages and credit cards. Credit scoring is also widely used for business lines of credit like accounts receivable (A/R) financing and cash flow lending.

What are the Advantages of Credit Analysis?

Credit analysis allows companies or individuals to determine if they should lend or borrow money. It is an important tool to encourage expanding businesses with new opportunities. New opportunities mean that they need money, which means that they may require loans or other forms of credit.

Businesses and individuals can determine their likelihood of obtaining credit and if they are able to get loans for a certain amount when applying for credit. This is a helpful tool when applying for loans and other forms of credit, such as mortgages or car loans. It allows the applicant the opportunity to prepare and display their ability to repay any debt based on their financial status. Credit analysis helps the applicants understand what type of interest rate or payment schedule they may be required to pay if approved.

Credit analysis may also help individuals and companies to understand how their current financial status may affect their credit. For example, a creditor may pay interest on the principal due, but if a borrower does not make their payments on time or defaults, the interest rate increases. If the borrower can’t repay loans when they are due, the creditor may put a stop payment on those payments. Credit analysis allows individuals to understand what type of loans they can take based on their current financial standing.

What are the Disadvantages of Credit Analysis?

Credit analysis must be used carefully and as part of a systematic process in order to ensure unbiased and accurate results. Credit analysis can be a very useful tool, but it is not the only tool to use when determining creditworthiness. It is always important to keep in mind that financial status and risk are two different things. If a borrower has a good financial status, they may be eligible for better loans. However, if they have a bad risk history and bad financial status, then they may not qualify for any loans or credit cards at all.

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Want to become a Fintalent?

As a founder CEO, I’ve been evaluating our exit readiness and other options. Fintalent.io provided me with an expert who helped me to understand the value of our business. He took a closer look at our internal KPI and structures, to make sure we’re set up in the most professional way possible.

Bernd Bube
Bernd Bube
Founder & CEO, Advendio

»Fintalent was able to provide consulting advice in very little time for one of our latest M&A projects. The support was hands-on, pragmatic and of high quality and was as a result critical to advance the project we were not able to properly address in the classical way.«

Dr. Fabian Kley
Dr. Fabian Kley
Head of Group Strategy and M&A at MAN Energy Solutions SE

»Fintalent is a unique M&A platform that matches corporates, VCs, family offices, and advisors with top M&A talents. They are right at the heart of M&A innovation and solve daily challenges in the M&A project business.«

Dr. Steffen Blase
Dr. Steffen Blase
Head of Mergers & Acquisitions of Volkswagen AG