Credit Analyst

Responsibilities

• Identify credit and risk management requirements at the source of the deal or business proposal
• Conduct credit evaluation interviews (for businesses) or assessments (for retail clients) to obtain sufficient information for evaluating financial and business risk
• Prepare credit applications with sound financial and business justification within acceptable risk parameters
• Evaluate whether proposals meet sound business/personal criteria and ensure counter-party credit risk falls within acceptable limits
• Recommend appropriate credit facilities, including terms and conditions, based on risk evaluation
• Monitor, identify, and mitigate risks inherent in business and retail credit portfolios
• Work in partnership with Relationship Officers to identify alternatives that could bring non-viable deals/proposals within acceptable risk parameters
• Present and defend own credit judgment and evaluations to clients without negatively affecting relationships
• Gain a thorough understanding of economic, business, regulatory, and legal environments affecting clients
• Identify, quantify, and evaluate sources of risk in relation to profitability, business viability, or retail portfolio quality
• Utilize industry and market risk analysis to understand contextual threats to clients
• Build and maintain cooperative relationships with internal stakeholders across the credit value chain to improve proposal quality and turnaround times
• Share joint credit responsibility for the assigned portfolioUnderstand facility terms, covenants, and conditions to manage risk throughout the life of the credit
• Continuously monitor schemes and portfolios to ensure growth, quality, and compliance with risk policies

Skills and Requirements

• Strong financial analysis skills to assess financial strengths, weaknesses, and potential risks for clients
• Deep understanding of credit products and risk mechanisms, including profitability drivers and credit risks
• Knowledge of financial markets and the factors that influence market values and risk exposures
• Ability to use available information sources and technology to make informed credit decisions
• Thorough conceptual and practical knowledge of credit procedures, policies, and standards, including handling credit applications, bad debts, disputes, and legal processes
• Balanced approach towards risk/reward with effective risk mitigation strategies
• Critical thinking, analytical, and problem-solving skills
• Strong interpersonal and relationship-building skills to liaise with clients and internal teams
• Diligent, detail-oriented, and thorough in approach to work
• Excellent written and verbal communication skills
• Proficient in Microsoft Office Suite
• Understanding of the economic, business, regulatory, and legal environments relevant to both business and retail portfolios
• Education and Professional Training
• Minimum of a bachelor’s degree in any area from a recognised and accredited institution
• At least three (3) years’ experience in portfolio management in financial services
• At least two (2) year experience in a credit /risk environment in the micro-enterprise segment

Location: Head Office

Salary: Attractive