Credit Analyst

Key Responsibilities

• Conduct detailed financial analysis of individual and corporate borrowers, including ratio analysis, cash flow analysis, repayment capacity assessment, and financial projections.
• Analyse customers ' business operations, industry trends, and market conditions to identify key credit risks and mitigating factors.
• Prepare comprehensive credit appraisal reports with clear recommendations for approval or decline based on the Bank 's lending policies and risk appetite.
• Evaluate proposed collateral to ensure adequacy, enforceability, and compliance with the Bank 's security requirements.