Retail Credit Analyst

Objective

To analyze and assess credit risk of Retail passenger car and commercial vehicle loans and make prudent credit recommendation / first decision to Management under MBFS credit rules and guidelines

Responsible for projects to improve credit operation functions

To identify risk and assess customer s credit worthiness and ability to service the debt and provide credit recommendation / first decision to the management via comprehensive credit write-up

To conduct the credit write up within TAT guideline with the completeness of the required documents

To ensure the terms and condition of approved credit facilities are met before actual credit drawdown

To support sales and administrative teams with portfolio analysis and queries

To support company projects and initiatives

Accountabilities

Assess and analyse credit worthiness of the individual or corporate applying for an automotive loan and whether the loan is payable by the individual or corporate for the term of the loan.

The analyst will use MBFSI processes, credit and fraud tools/systems as well as policies to arrive at lending decisions.

The analyst be resolution oriented with good communication and customer service skills.

The analyst will also support sales and administrative teams in reviewing portfolio, streamlining processes, automating activities and product development as well as achieve goals and KPIs as set by the company.