Credit Analyst (2505-CA)

Our client in the SME digital financing sector is seeking to recruit a Credit Analyst.

Responsibilities:

• Reading, assessing, analysing, and interpreting client's credit data, financial statements, and other financial reports of companies.
• Preparing, evaluating, and completing credit proposals with thorough analysis of Applicant’s strength and weaknesses, repayment capacity and associated risk profile prior to submitting/recommending applications for decisioning.
• Ensure credit review on all applications are following the company’s credit strategy and policies.
• Performing the borrower’s credit assessment within the set SLA timeframe.
• Outline to the client the reasons for refusal, where appropriate.
• Engage with the borrowers and accountants to gather information where appropriate.
• Engage with other members of the team on each credit proposition.
• Ensure that specific conditions, if any, stipulated by Credit Committee when approving a borrowing request are reflected in the loan documentation.
• Support and participate in credit related projects, system enhancement and process improvement.
• Developing and utilizing credit scoring systems and statistical models to assist in credit decision.
• Establish and maintain effective professional relationships with team members, including both internal and external stakeholders such as sales personnel, legal officers, and investors.
• Ad-hoc assignments and other responsibilities delegated by the supervisor from time to time.

Profile:

• Bachelor’s degree in accounting, Finance, Economics or any other equivalent.
• Preferably 1 – 3 years of experience in credit processing and analyst position.
• Experience in handling SME portfolio would be added advantage.
• Good interpersonal skills and able to work independently as well as in a team to achieve collective goals.
• Familiar with Excel and accounting analysis.
• Good communications and written skills in English, French and Kreol.
• ACA/ACCA qualification would be added advantage.