Credit Analyst ×1 – Mashonaland West Province

Duties and Responsibilities

-Evaluate clients’ credit data and financial statements to determine the degree of risk involved in lending.
-Conduct thorough analysis and assessment of credit requests, including new requests, changed requests or refinancing requests.
-Determine creditworthiness of applicants and provide recommendations related to analysis and assessment of credit risk.
-Review credit applications, perform credit checks and verify employment.
-Present analysis, findings and recommendations to Business, especially findings relating to a borrower’s ability to repay.
-Recommend credit limits and repayment plans.
-Prepare and present business proposals to support new and existing credit applications.
-Develop and prepare specialised models to support analysis of credit applications.
-Keep track of loan accounts, identifying discrepancies and variances.
-Assist in recommending procedural or policy changes.

Qualifications and Experience

-A Degree in Finance, Economics, Banking & Finance, Accounting or equivalent.
-A minimum of five (5) years’ experience in credit risk.
-Knowledge and understanding of financial statements, ratios and concepts.
-Ability to analyse, classify and interpret data, including numerical data.
-Strong attention to detail and ability to detect discrepancies.
-Ability to work with minimal supervision in a pressurised, high-volume environment.
-Good communication & interpersonal skills to effectively report results and decisions orally or in writing.
-Proficiency in all Microsoft Office applications.