Senior Associate - Credit Analyst
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Job Description
Key Responsibilities:
Credit Evaluation: Analyse applicants financial information credit history and other relevant data to assess their creditworthiness for loan applications.
Risk Assessment: Identify and evaluate potential risks associated with loan approvals and recommend appropriate actions.
Data Analysis: Utilize advanced analytics to interpret data trends and insights providing actionable recommendations to improve loan performance.
Reporting: Prepare comprehensive credit analysis reports for internal stakeholders highlighting key findings and recommendations.
Collaboration: Work closely with sales teams to understand customer profiles and ensure alignment with credit policies.
Policy Compliance: Ensure adherence to company credit policies and regulatory requirements updating them as necessary based on market changes.
Client Interaction: Communicate effectively with clients regarding credit decisions and provide guidance on improving credit profiles when needed.
Continuous Improvement: Stay updated on industry trends emerging risks and best practices in credit analysis to enhance processes and methodologies.
Qualifications:
Bachelor s/Master s degree in Finance Business Economics or a related field.
Proven experience in credit analysis preferably in a fintech or banking environment.
Strong understanding of credit scoring models and risk assessment methodologies.
Proficiency in data analysis tools and software (e.g. Excel SQL Tableau).
Excellent analytical and problem-solving skills.
Strong communication and interpersonal skills with the ability to convey complex information clearly.
Detail-oriented with strong organizational skills and the ability to manage multiple tasks.
Preferred Qualifications:
Experience with SME lending Business loans etc.
Familiarity with regulatory frameworks governing lending practices.
Professional certifications (e.g. CFA FRM) are a plus.
Employment Type
Full Time
Company Industry
Financial Services / Insurance Agencies and Brokerages / Investment Banking
