Credit Analyst

Job Summary

To underwrite loan applications and ensure adherence to all-risk policies and procedures in the lending process.

Job Details

Completes a thorough, in-depth analysis of new credit requests, credit change requests, renewals and annual relationship reviews.
Delivers meaningful, detailed credit analysis while providing efficient, timely service to loan officers.
Prepares reports, summaries and opinions for lenders on new, renewal and existing loans.
Maintains an excellent working knowledge of the lending policies and procedures and identifies exceptions to policy.
Develop and execute Credit Risk Reporting, including coordination of such reporting and execution of subsequent actions.

Requirements

A Bachelor’s Degree in Finance/Banking/Economics/Accounting or other equivalent financial qualification.

At least 3 years post qualification experience preferably in a financial institution.

Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.
Good knowledge of Asset and Sales Financing products and operations
Knowledge of credit policies and standards and lending and lending policies and procedures.
Must be able to understand financial data (Balance Sheets, Income Statements, Cash Flow Statements, Financial Ratios, etc.) and apply those skills as they pertain to the loan underwriting process.

Strong analytical and quantitative skills.
Ability to analyse information and evaluate results to choose the best solution and solve problems.
Ability to utilise relevant information and individual judgment to determine whether events or processes comply with laws, regulations or standards.
Ability to build strong relationships with team members, company management and clients.
Ability to interact with people from different cultures and countries.
Strong interpersonal and communication skills, both verbal and written.
Accuracy, superior attention to detail and excellent follow through.

About Company

Letshego Kenya Limited

Letshego is a Setswana term meaning ‘support’. At Letshego we provide financial support to our customers. Our new brand mark is a stronger, bolder and more modern depiction of the Letshego tripod.