Credit Analyst

Credit Analyst

City based International Bank are looking to recruit a Credit Analyst to join their expanding Business Development department.

Main Responsibilities;

* Analyse credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
* Prepare reports that include the degree of risk involved in extending credit or lending money.
* Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.
* Confer with credit and other business representatives to exchange credit information.
* Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committee for approval.
* Generate financial ratios, using computer programs, to evaluate customers’ financial status.
* Review individual or commercial customer files to identify and select delinquent accounts for collection.
* Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same sector and geographic locations.
* Communication with customers to resolve complaints and verify financial and credit transactions.
* Make recommendations to enhance policies and procedures.
* Keep up-to-date with relevant information (e.g. legal, market risk, compliance)

To be considered for this position ideal candidates should have at least 3 years corporate credit analysis experience

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