Senior Credit Analyst

The Credit Analyst’s main objective is to be responsible for evaluating and assessing the creditworthiness of individuals and businesses applying for mortgage and financing services. Your role will involve analyzing financial data, conducting risk assessments, and providing insights to support informed lending decisions.

Job Responsibilities:

• Evaluate credit applications for mortgage and financing services, ensuring compliance with company policies and regulatory requirements.
• Analyze financial statements, bank statements, and other relevant documents to assess applicants' financial status and credit worthiness.
• Conduct risk assessments and provide recommendations on credit approvals or rejections based on thorough analysis.
• Collaborate with legal, investigation, and other teams to gather necessary information and ensure a smooth credit evaluation process.
• Prepare comprehensive credit proposals and reports to present findings and recommendations to decision-makers.
• Monitor and review existing loan portfolios, identifying potential risks, and recommending appropriate actions.
• Stay updated on industry trends, regulations, and best practices related to credit analysis and lending.

Requirements:
• Bachelor's degree in Finance, Accounting, Business Administration, or related field.
• 1-3 years of proven experience as a Credit Analyst or in a similar role within the mortgage or financing sector.
• In-depth knowledge of financial analysis, credit evaluation, and risk assessment methodologies.
• Strong analytical skills with the ability to interpret complex financial data and make sound judgments.
• Excellent communication and interpersonal skills to collaborate with internal teams and communicate findings effectively.
• Proficiency in using financial analysis software, Excel, and other relevant tools.