Senior Credit Analyst
- Full-time
Company Description
Addosser is a one stop shop for all financial services.
Job Description
· Evaluate customers' loan applications in line with the bank's credit policy.
· Identify critical risks in credit request and provide advisory on how requests can be restructured in line with the bank’s risk appetite.
· Has relevant experience in analyzing consumer and SME loans.
· Organization of credit committee.
· Portfolio management & reporting.
· Create innovative credit evaluation processes and systems.
· Evaluate clients for credit worthiness based our internal risk models & their application information.
· Weed out fraudulent applications, and unreliable applicants.
· Check Facility Letters and Loan Agreements and scrutinize the signed documents to ensure the correctness of the contracts.
· Continuously ensure alignment/compliance to the credit risk management framework.
· Continuously analyze and recommend improvement on credit risk management framework, processes and systems.
· Preparation of statutory reports.
Qualifications
- A first degree in Economics, Finance or any other discipline, Master’s Degree is an added advantage.
- Minimum of 3 years banking experience.
· Good knowledge of accounting and relevant lending ratios.
· Experience in SME & consumer lending.
· Analytical skills
· Good communications.
· Good reporting skills.
Additional Information
A friendly culture. Performance Driven Environment and Open door system