Credit Analyst
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Job Location:
Monthly Salary:
Posted on:
Yesterday
Vacancies:
1 Vacancy
Job Summary
- Conduct credit appraisal for retail micro and SME loan applications including income verification cash flow analysis and affordability assessment.
- Evaluate borrowers creditworthiness using financial and non-financial information (bank statements business turnover credit bureau reports etc.).
- Prepare detailed credit memos with clear risk analysis and recommendations for approval or rejection.
- Support high-volume loan processing while maintaining accuracy and turnaround time (TAT).
- Ensure all credit decisions align with the banks risk appetite credit policies and regulatory requirements.
- Monitor approved loans and flag early warning signals for potential default.
- Work closely with Business Development and Collections teams to ensure proper loan booking and recovery tracking.
- Review loan documentation to ensure completeness and compliance before disbursement.
- Track and report on portfolio performance delinquency trends and risk exposures.
- Support credit policy reviews and continuous improvement of lending processes.
- Address client inquiries and provide financial advisory support.
- Support management in strategic decision-making.
- Identify potential risks (industry market operational and borrower-specific risks) and assign a risk rating or credit score to guide decision-making
- Conduct credit appraisal for retail micro and SME loan applications including income verification cash flow analysis and affordability assessment.
- Evaluate borrowers creditworthiness using financial and non-financial information (bank statements business turnover credit bureau reports etc.).
- Prepare detailed credit memos with clear risk analysis and recommendations for approval or rejection.
- Support high-volume loan processing while maintaining accuracy and turnaround time (TAT).
- Ensure all credit decisions align with the banks risk appetite credit policies and regulatory requirements.
- Monitor approved loans and flag early warning signals for potential default.
- Work closely with Business Development and Collections teams to ensure proper loan booking and recovery tracking.
- Review loan documentation to ensure completeness and compliance before disbursement.
- Track and report on portfolio performance delinquency trends and risk exposures.
- Support credit policy reviews and continuous improvement of lending processes.
- Address client inquiries and provide financial advisory support.
- Support management in strategic decision-making.
Required Experience:
IC
About Company
Asset & Resource Management Company Limited (ARM) was founded in 1994 as an asset management firm.We provide a broad range of unique wealth creation services by offering traditional asset management services as well as alternative investments through our private funds business. ARM cu ... View more
