Job Summary

The Credit Analyst will be part of the larger credit team whose responsibilities are to analyze credit information on current and potential borrowers, collaborate with other departments and contribute to the development of credit models essential to keeping credit risk at the lowest levels possible.

  • Minimum Qualification: Bachelor
  • Experience Level: Entry level
  • Experience Length: 2 years

Job Description/Requirements

Analyze credit information

  • Promptly evaluating credit data of both current and potential borrowers to determine the level of creditworthiness.
  • Reviewing financial statements of borrowers in order to recommend payment plans.
  • Reviewing the Credit history information from Credit Bureaus and making use of that in determining credit decisions.
  • Assist in the development, maintaining and improving credit scorecards.
  • Prepare reports and report monthly on the performance of the different credit options/strategies being used by the organization and their effectiveness in ensuring minimal exposure to risk.
  • Revamping and consistently improving the credit scoring logic to establish accurate levels of risk of the customer segments.

Collaboration with the other departments

  • Collaborate with the data and technical teams responsible for developing machine learning models useful in credit.
  • Collaborate with our collections team and incorporate insights and suggestions and necessary changes as observed in customer loan repayment history.
  • Collaboration in coming up with structure and data warehousing essential to the organizational long term goals

Department policies

  • Periodically review and update the department’s FAQs and the credit handbook for easy reference by other members.
  • Monthly audit and reporting on the different credit risk profiles

Who we are looking for:

  • Bachelor’s degree in finance, accounting, or other business-related fields.
  • One to three years of strong quantitative experience.
  • Strong proficiency in MS Office and general computer use.
  • Ability to effectively manage competing deadlines for projects in a high-pressure work environment, with varying degrees of supervision.
  • Strong attention to detail and ability to notice discrepancies in data.
  • Impeccable understanding of financial literacy – statements, ratios, and concepts.
  • Strong mathematical and analytical skills.
  • Quick learner and eager to explore difficulties.
  • Good data manipulation skills

If interested, kindly send your CVwith the subject line “Credit Analyst”.

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