Credit Analyst

The position will confirm credibility of all loan applications for loan disbursement.

JOB DESCRIPTION

• Obtain and compile copies of loan applicants’ credit histories, financial statements, loan security documents and other financial information.
• Analyze applicants’ financial status, credit status, and undertake relevant evaluations to determine feasibility of granting loans.
• Evaluate and advise on a client’s ability to pay based on analysis of their finances.
• Obtain credit information from credit institutions and references.
• Respond to client inquiries regarding applications for credit and credit transactions.
• Process approved loans for disbursement.
• Generate customer feedback on loan applications.
• Undertake business and home visits to validate applications.
• Review and update credit and loan files.
• Undertake data entry on approved loans.
• Undertake timely valuation renewals after contract expiry.
• Continuous professional development to keep up with current industry trends.
• Prepare and submit timely reports and information for decision making.

REQUIRED SKILLS AND QUALIFICATION

• Bachelor’s Degree in Business, Accounts, Finance, or related from a recognized institution.
• Professional Credit or Accounting qualifications is an added advantage.
• Minimum of two (2) years practical experience in banking with proven result-oriented track record in credit.
• Proficiency in ICT with strong MS Office and internet ability.
• Ability to interpret Financials and make sound decisions out of it.
• Analytical and keen to details.
•  High degree of accuracy and attention to detail.
• Good communication skills and customer service oriented.