Credit Analyst

Key Accountabilities & Support Actions :

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

Qualifications & Skills :

• Bachelors degree in finance, Accounting, Economics, or related field required; master’s 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