Our client, based in Floréal, is currently looking for a Senior Credit Executive to join their team.

Key Responsibilities:

• Assess SME loan applications and creditworthiness
• Analyse financial statements, bank statements and cash flows
• Evaluate borrowers’ repayment capacity and financial risks
• Review KYC and supporting documents
• Conduct credit due diligence and risk assessment
• Prepare credit analysis and credit proposals
• Recommend loan amounts, interest rates and repayment terms
• Present credit recommendations for approval
• Monitor loan portfolio and repayment performance
• Follow up on overdue payments and arrears
• Handle loan restructuring and recovery cases
• Ensure compliance with internal credit policies and regulations
• Liaise with Sales, Risk, Compliance, Operations and Recovery teams
• Identify early warning signs and potential credit risks
• Prepare credit and portfolio reports for management

Candidate Profile:

• Degree in Finance, Accounting, Economics, Banking or related field
• 3–5+ years of experience in credit, lending, banking or financial services
• Experience in SME / commercial lending is highly preferred
• Strong knowledge of credit assessment and underwriting
• Ability to analyse financial statements and cash flow
• Good understanding of credit risk and repayment capacity
• Experience reviewing loan applications and supporting documents
• Strong financial and analytical skills
• Knowledge of KYC, AML and credit compliance
• Experience in portfolio monitoring and arrears management
• Good Excel / financial analysis skills
• Strong attention to detail and decision-making skills
• Good communication and negotiation skills
• Ability to work with Credit, Risk, Compliance, Operations and Sales teams
• Able to work independently and handle a high volume of credit applications
• Mauritius banking, fintech or lending experience would be an advantage