The ideal candidate will analyze financial data, review credit reports, and provide risk assessments to support sound lending decisions while ensuring compliance with company policies and industry regulations.

Key Responsibilities:

• Assess the financial health of applicants by analyzing financial statements, credit reports, and other relevant data.
• Identify potential risks associated with lending and provide risk mitigation recommendations.
• Assign credit ratings based on financial analysis and risk assessments.
• Recommend approval, modification, or rejection of credit applications.
• Set appropriate credit limits and terms for borrowers.
• Ensure all documentation complies with regulatory and company policies.
• Ensure all credit assessments comply with legal, regulatory, and organizational standards.
• Follow internal credit policies and guidelines to maintain financial integrity.
• Adhere to fair lending practices and anti-money laundering (AML) policies.

Qualifications and Experience:

• Bachelor’s degree or Diploma in Finance, Accounting, Economics, Business Administration, or a related field.
• Proven experience as a Credit Analyst, Loan Officer, or in a similar financial analysis role.
• Strong knowledge of credit assessment techniques, financial statement analysis, and risk evaluation.
• Familiarity with credit reporting agencies, financial regulations, and lending policies.
• Proficiency in financial software, loan management systems, google workspace and Microsoft Office (Excel, Word, PowerPoint).

Skills required:

• Analytical Thinking: Ability to assess financial data, credit reports, and risk factors to make informed decisions.
• Attention to Detail: Strong focus on accuracy when evaluating financial information and loan applications.
• Decision-Making: Ability to recommend loan approvals, rejections, or modifications based on thorough credit analysis.
• Communication Skills: Clear and professional communication with loan officers, and stakeholders.
• **Regulatory Knowledge: **Understanding of financial laws, lending guidelines, and compliance requirements.
• **Problem-Solving: **Ability to identify risks and suggest strategies to mitigate potential defaults.
• Time Management: Efficiently handle multiple loan applications while meeting deadlines.

Location & Work Environment

• Office-based setting with a professional and collaborative atmosphere.
• May involve working with financial software, credit analysis tools, and customer relationship management (CRM) systems.
• Interaction with loan officers, clients, and other financial professionals.
• Fast-paced environment requiring attention to detail and efficient decision-making.