Credit Analyst
Credit Analyst
Posted on :
13-05-2025
Employer Active
1 Vacancy
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Job Description
Conduct comprehensive credit analyses and assessments to evaluate borrower creditworthiness support informed lending decisions and ensure the maintenance of a highquality books of accounts.
Key Responsibilities
Credit Assessment:
- Analyse credit applications and financial statements to assess the creditworthiness of buyers evaluating factors such as income assets liabilities and payment history.
- Utilize credit scoring models and risk assessment tools to evaluate credit risk and recommend appropriate credit limits and terms.
Financial Analysis:
- Conduct comprehensive financial analyses including cash flow analysis ratio analysis and trend analysis to evaluate the financial health and stability of buyers.
- Identify potential credit risks and red flags highlighting areas of concern and recommending mitigating actions to the Lead Underwriter.
Documentation and Due Diligence:
- Ensure accuracy and completeness of credit documentation credit reports and supporting financial documents.
- Perform due diligence checks on buyers verifying information provided and conducting background checks as necessary to assess credit risk accurately.
Communication and Reporting:
- Communicate credit decisions recommendations and risk assessments effectively to the Lead Underwriter and other relevant stakeholders.
- Prepare comprehensive credit analysis reports and presentations summarizing findings conclusions and recommendations for review and approval.
Portfolio Monitoring:
- Monitor the credit portfolio for early warning signs of credit deterioration delinquencies and defaults escalating issues to the Lead Underwriter as appropriate.
- Assist in the ongoing monitoring and management of existing credit exposures including periodic review of credit limits and terms.
Qualification & Skills
- Bachelors degree in finance Accounting Economics or related field required masters degree preferred.
- Minimum of 3 years of experience in credit analysis banking or financial services industry.
- Strong analytical skills with the ability to interpret financial data conduct financial analyses and assess credit risk accurately.
- Exceptional attention to detail with a focus on accuracy and precision in credit analysis and documentation.
- Excellent verbal and written communication skills with the ability to convey complex information clearly and concisely.
- Ability to work effectively in a team environment collaborating with colleagues and stakeholders to achieve common goals.
Required Experience:
IC
Employment Type
Full Time
Key Skills
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