Credit Analyst – Asset Finance

ABOUT THE COMPANY

We will be the leading integrated solutions enabler for the property industry. We will offer innovative products and services, delivered under one roof by exceptionally committed people to enhance shareholder value. We will operate across the property value-chain as suppliers and financiers that offer unique solutions to all while being environmentally responsible.

JOB SUMMARY

Minimum Qualifications, Knowledge and ExperienceBachelor’s degree in Finance, Accounting, Economics, Business Administration, or related field.Professional qualifications such as CPA, ACCA, CCP, or Credit Management Certification are an added advantage.Minimum of 3–5 years’ experience in credit analysis, risk management, or lending within a financial institution.Strong understanding of Asset Finance and Insurance Premium Financing (IPF) products, collateral valuation, and documentation processes.Familiarity with credit scoring models and financial analysis systems.

RESPONSIBILITIES

1.Credit Analysis and AppraisalConduct detailed financial analysis and due diligence for Asset Finance applications across business segments.Evaluate applicants’ repayment capacity through analysis of financial statements, bank statements, and cash flow forecasts.Assess creditworthiness by reviewing client profiles, business models, and sector performance.Verify asset details, supplier quotations, insurance documents, and valuation reports for completeness and validity.Prepare comprehensive credit analysis reports and recommendations for approval or escalation to appropriate authority levels.2. Risk Assessment and StructuringIdentify key risks and propose appropriate mitigants in line with Bank policy and risk appetite.Support structuring of Asset Finance facilities to achieve a balance between profitability, risk, and customer requirements.Review and confirm that proposed securities and documentation adequately protect the Bank’s interests.Ensure credit proposals comply with product program parameters, pricing guidelines, and lending conditions.3. Processing and CoordinationLiaise with Relationship Managers, Credit Origination Officers, and Credit Administration teams to ensure seamless end-to-end processing of Asset Finance applications.Review credit submissions for completeness before approval or disbursement.Ensure timely communication of approval conditions and monitor fulfillment prior to drawdown.4. Portfolio Monitoring and PerformanceMonitor the performance of approved Asset Finance accounts to identify early warning signals.Participate in portfolio reviews and trend analysis to highlight emerging credit risks or opportunities.Provide data and insights to support periodic risk and business performance reports.5. Compliance and GovernanceEnsure all credit assessments comply with internal policies, procedures, and regulatory requirements.Maintain high-quality credit documentation and accurate records for audit and compliance purposes.Adhere to ethical credit practices and maintain confidentiality of customer and institutional information.

REQUIRED SKILLS

Accounting, Financial analytics and forecasting, Risk management, Corporate finance

REQUIRED EDUCATION

Bachelor's degree