Credit Analyst

Credit Analyst (Finance Industry/Home Loans) - La Lucia Ridge

Job Purpose

KEY RESPONSIBILITIES:

• Assess credit worthiness of applicants (mortgage and other credit products) through undertaking detailed risk assessment analysis.
• Ensure that procedures and decisions comply with credit policy, regulations and best practice standards.
• Motivate and support decisions through the analysis of financial information such as bank statements, financial statements and management accounts.
• Provide quality service to internal customers and liaise with other stakeholders within the company.
• Stay informed about the legal, compliance and market – risk-related issues involved in the approval of credit.
• Provide regular feedback on the submission of loan applications to management.
  
  

Requirements

Minimum Qualification:

• B.Com Degree or relevant business degree.
• 2 Years' experience in Credit underwriting.
  
  

Technical Competencies

• A strong combination of analytical and decision-making skills.
• Good written and verbal communication skills.
• Assertive
• Attention to detail and strong proven credit/financial analytical skill including property valuations
• Critical thinking
  
  

Generic Competencies

• Decisiveness
• Self-Motivated
• Agile/Adaptable
• Service driven
• Innovative
  
  

Desired Skills

• Decisiveness
• Self-Motivated
• Agile/Adaptable
• Service driven
• Innovative