Credit Analyst

We are looking for a professional Credit Analyst to determine our customers’ creditworthiness. You will analyze financial data to assess the likelihood of a borrower honouring their financial obligations.

Responsibilities : 

• Assess creditworthiness of existing or prospective clients
• Examine financial transactions and credit history case by case (applications, statements, balance sheets, legal documents etc)
• Complete ratio, trend and cash flows analyses and create projections
• Deliver a multidimensional perspective on the investment outlook in an accessible and informative manner
• Assess creditworthiness of existing or prospective clients
• Examine financial transactions and credit history case by case (applications, statements, balance sheets, legal documents etc)
• Complete ratio, trend and cash flows analyses and create projections
• Deliver a multidimensional perspective on the investment outlook in an accessible and informative manner
• Present a summary report of analysis, findings, and recommendations to the Group Head of Credit, especially findings involving a borrower’s ability to repay; the report should cover all the key areas.
• Accountable for ensuring timely communication with the external credit auditors and making sure that the quality of approved applications sits within the credit policy and scorebook.
• Responsible for ensuring that credit model and scorebook are errorless and all parameters are within the set parameters.

• Proven working experience as a credit analyst
• Proficiency in statistical packages and financial software
• Up to date with legal, compliance and market risk related issues
• Ability to analyze cash flows, leverage, collateral and customer strength
• Strong communication and presentation skills
• Sound judgement