## Title: Credit Analyst

This position offers a great opportunity for career growth in credit analysis and risk management within a dynamic financial services environment.

Evaluate loan applications to determine credit risk using established policy frameworks
Oversee day-to-day disbursement and recovery operations, ensuring alignment with performance targets
Conduct business and guarantor visits as needed for loan verifications
Recommend loan approvals or rejections and clearly communicate reasons to applicants
Lead the implementation and refinement of credit risk strategies and performance objectives
Monitor and manage overdue balances, initiate follow-up communications, and support legal escalations when necessary
Prepare and present credit reports, risk analyses, and performance updates to management
Contribute to budgeting, financial reporting, and the enhancement of credit documentation processes
Identify patterns and trends in credit performance to inform data-driven decisions
Collaborate with customer support to ensure borrower satisfaction and resolution of loan issues

5+ years of hands-on experience in credit analysis, underwriting, or recovery within financial services or fintech
Strong understanding of credit portfolio management, loan analysis, and risk mitigation
Proven success managing disbursements, recoveries, and debt resolution
Excellent communication, negotiation, and customer service skills
Proficiency in Microsoft Office Suite; familiarity with credit tools or CRM software is a plus
Strong analytical and organizational skills, with keen attention to detail
Ability to work independently and handle multiple priorities effectively

Credit Analyst at The Startup Place Limited

Job description