Credit Analyst

Credit Assessment & Analysis

• Review and assess loan applications, supporting documents, and borrower information.
• Analyze applicants' income, financial position, cash flows, repayment capacity, and credit history.
• Evaluate the creditworthiness of individuals, businesses, and prospective borrowers.
• Identify potential credit risks, inconsistencies, and warning indicators during the assessment process.

Credit Recommendation

• Prepare clear and well-supported credit appraisal reports and recommendations.
• Recommend loan approvals, modifications, or declines based on established lending criteria.
• Ensure credit recommendations are supported by appropriate financial and risk analysis.
• Escalate complex or high-risk applications to the appropriate approval authority.

Portfolio & Credit Monitoring

• Monitor existing loan accounts to identify early signs of repayment or credit deterioration.
• Review borrower performance and repayment patterns.
• Support the identification and management of delinquent or potentially problematic accounts.
• Provide relevant credit information to support portfolio quality monitoring.

Documentation & Compliance

• Ensure credit files contain complete and accurate documentation before approval and disbursement.
• Verify compliance with internal credit policies, lending limits, and approval procedures.
• Maintain accurate records of credit assessments and recommendations.
• Support internal and regulatory reviews by providing required credit documentation and information.

Requirements
Education

Bachelor's Degree in:

• Finance, Accounting, Economics, Banking and Finance, Business Administration, A related discipline
• Relevant professional qualifications or certifications in credit, banking, risk management, or financial analysis will be an added advantage.