Duties and responsibilities include but are not limited to:
Evaluating the financial status of agents/customers by producing financial ratios through computer programs and tools.
Assess the creditworthiness of existing or prospective agents
Complete ratio, trend and cash flow analyses and create projections
Determine in depth the degree of risk involved
Carefully analyse data and produce clear and objective reports
Routinely monitor loans for compliance
Adhere to credit policy and guidelines
Monitor corporate portfolio asset quality on an on-going basis
Draft models of credit information that predict trends and patterns
Proficiency in statistical packages and financial software
Up to date with legal, compliance and market risk-related issues
Ability to analyse cash flows, leverage, collateral and customer strength
Strong communication and presentation skills.
Proven working experience as a credit analyst
At least 5 years of relevant work experience in analysing consumer and SME loans.
Create innovative credit evaluation processes and systems.
Evaluating agents/customers credit data and financial statements in order to determine the degree of risk involved in lending money to them
Preparing reports about the degree of risk in lending money to agents
Analysing agents/customers records and using the data to recommend payment plans.
Conferring with credit associations and references to exchange credit information on agents.
Preparation of statutory reports.