Credit Analyst

AML Finance Limited is seeking an experienced Credit Analyst to support its growing commercial lending portfolio. The successful candidate will evaluate business credit applications, assess financial risks, structure credit facilities, and prepare well-supported recommendations that contribute to a healthy and sustainable loan portfolio.

Key Responsibilities

• Analyze financial statements, cash flow statements, business models, and industry risks.
• Assess clients' creditworthiness and repayment capacity.
• Prepare comprehensive credit assessment reports and recommendations.
• Present and defend credit proposals before approving authorities.
• Evaluate collateral and ensure adequate security for lending facilities.
• Verify compliance with credit documentation requirements.
• Monitor portfolio performance using early warning risk indicators.
• Work closely with relationship managers to structure appropriate credit facilities.
• Support sound credit decision-making while maintaining portfolio quality.

Requirements

• Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field.
• Minimum five (5) years of experience in business credit analysis within a regulated financial institution.
• Strong expertise in financial analysis, portfolio monitoring, and credit documentation.
• Professional qualifications such as CPA, ACCA, CFA, or equivalent are an added advantage.
• Excellent analytical, critical thinking, and problem-solving skills.
• Strong report-writing and communication skills.
• High attention to detail and sound professional judgment.