Credit Risk Analyst

A top employer is now accepting applications for this role. Key Responsibilities: - Evaluate customers' loan applications in line with the organisation's credit policy. - Identify critical risks in credit requests and provide advice on how requests can be restructured in line with the bank’s risk appetite. - Has relevant experience in analysing consumer and SME loans. - Organisation of the credit committee. - Portfolio management & reporting. - Create innovative credit evaluation processes and systems. - Evaluate clients for credit worthiness based on our internal risk models & their application information. - Detect fraudulent applications and unreliable applicants. - Review Facility Letters and Loan Agreements, scrutinising the signed documents to ensure the accuracy of the contracts. - Continuously ensure alignment/compliance with the credit risk management framework. - Continuously analyse and recommend improvements on the credit risk management framework, processes and systems. - Preparation of statutory reports. Required Qualifications: / Requirements - A First Degree in Economics, Finance or any other discipline, a Master’s Degree is an added advantage. - 2 - 5 years’ relevant experience in the Financial Services Industry. - Good knowledge of accounting and relevant lending ratios. - Experience in Credit Risk Management - Data Analytics and Effective Communication - Good Knowledge of Credit Analysis and Appraisal - Experience in SME - Good reporting skills.