Credit Analyst
2 weeks ago
To oversee, review and verify loan applications to determine approval or denial. To provide recommendations and suggestions for credit policy and process improvements to ensure a healthier loan portfolio. To supervise a team of credit analysts to ensure accurate and efficient processing of loan applications.
1. Provide guidance, direction, and support to a team of credit analysts, ensuring adherence to established policies and procedures.
2. Offer recommendations on whether to approve or deny loan applications based on thorough assessment, review, and verification of applicant information and attachments.
3. Collect, review, and analyze applicant payment history and records for preterm and renewal loans, assessing repayment behavior and risk.
4. Evaluate financial information provided by applicants to assess creditworthiness and determine the level of risk associated with granting loans.
5. Verify the accuracy of financial computations and applicant data profiles provided by branches, ensuring consistency and reliability.
6. Work closely with Branch Officers in verifying loan details and assisting in ensuring accuracy during the loan application process.
7. Provide recommendations to Branch Officers as necessary based on analysis and assessment of loan applications.
8. Validate the accuracy of information supplied in loan application forms and BICI reports.
9. Generate and provide reports to management regarding branch performance in processing loan applications, highlighting areas for improvement.
10. Offer suggestions for the implementation of new policies and procedures related to the loan process, based on analysis and experience.
11. Responsible for profiling borrowers to inform new policies and enhance loan processing procedures.
12. Identify and address policy exceptions within credit procedures and processes, ensuring compliance and mitigating risks.
13. Take ownership of all credit processes, making decisions in the best interest of both borrowers and the organization.
14. Perform any other tasks as assigned by immediate superiors to support the efficient functioning of the Credit Department.
Job Types: Full-time, Permanent
Benefits:
- Health insurance
- Life insurance
- Paid training
Schedule:
- 8 hour shift
- Monday to Friday
Supplemental pay types:
- 13th month salary
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