Credit Analyst at ARM Hold Co.

Job Summary

• The Credit Analyst will support the bank’s lending activities by conducting detailed credit assessments on retail and SME loan applications. The role requires strong analytical capability to evaluate customer affordability, cash flow, and repayment capacity, while ensuring adherence to the bank’s credit policies and regulatory guidelines. The goal is to build a quality loan portfolio while minimizing default risk.

Job Details

• Conduct credit appraisal for retail, micro, and SME loan applications, including income verification, cash flow analysis, and affordability assessment. 
• Evaluate borrowers’ creditworthiness using financial and non-financial information (bank statements, business turnover, credit bureau reports, etc.). 
• Prepare detailed credit memos with clear risk analysis and recommendations for approval or rejection. 
• Support high-volume loan processing while maintaining accuracy and turnaround time (TAT). 
• Ensure all credit decisions align with the bank’s risk appetite, credit policies, and regulatory requirements. 
• Monitor approved loans and flag early warning signals for potential default. 
• Work closely with Business Development and Collections teams to ensure proper loan booking and recovery tracking. 
• Review loan documentation to ensure completeness and compliance before disbursement.  
• Track and report on portfolio performance, delinquency trends, and risk exposures. 
• Support credit policy reviews and continuous improvement of lending processes. 
• Address client inquiries and provide financial advisory support.
• Support management in strategic decision-making.
• Identify potential risks (industry, market, operational, and borrower-specific risks) and assign a risk rating or credit score to guide decision-making

Requirements

• Conduct credit appraisal for retail, micro, and SME loan applications, including income verification, cash flow analysis, and affordability assessment. 
• Evaluate borrowers’ creditworthiness using financial and non-financial information (bank statements, business turnover, credit bureau reports, etc.). 
• Prepare detailed credit memos with clear risk analysis and recommendations for approval or rejection. 
• Support high-volume loan processing while maintaining accuracy and turnaround time (TAT). 
• Ensure all credit decisions align with the bank’s risk appetite, credit policies, and regulatory requirements. 
• Monitor approved loans and flag early warning signals for potential default. 
• Work closely with Business Development and Collections teams to ensure proper loan booking and recovery tracking. 
• Review loan documentation to ensure completeness and compliance before disbursement.  
• Track and report on portfolio performance, delinquency trends, and risk exposures. 
• Support credit policy reviews and continuous improvement of lending processes. 
• Address client inquiries and provide financial advisory support.
• Support management in strategic decision-making.