As an Associate Credit Analyst at NexaBank, I routinely leverage data analysis to assess creditworthiness and manage risk. One particular instance was an intricate case involving a significant business loan application from a tech start-up with limited financial history.
I handled the collection of various forms of data, including the company's revenue projections, capital structure, industry trends, and management backgrounds. I utilized Python for data manipulation, and Tableau for data visualization, helping me uncover hidden patterns and make meaningful predictions.
Postulating value from limited financials, I performed a thorough credit risk analysis, applying metrics like the interest coverage ratio and debt equity ratio. I also evaluated the firm's repayment capacity via liquidity ratio analysis. The resulting data-driven insights significantly influenced our loan decision-making process, contributing to NexaBank approving a loan amount that was risk-optimized and supportive of the start-up's growth plans.