Credit Analyst at Elvaridah

Job Description

• As a Credit Analyst, you will assess the creditworthiness of individuals or other businesses applying for loans or credit in our Organization.
• You are to analyze data, assess credit risk and determine the appropriate lending terms.
• Your expertise in Financial analysis and your ability to evaluate Market trends will play a pivotal role in delivering accurate reports to our Company.

RESPONSIBILITIES

FINANCIAL ANALYSIS

• Review financial statements, credit reports, and other relevant documents to assess the creditworthiness of the company.
• Assess the viability, stability and sustainability of projects.

DATA COLLECTION

• Gather and analyze data to make informed decisions about interest rates and credit issues.

MARKET RESEARCH

• Monitor economic and industry trends that can impact the creditworthiness of Borrowers.
• Examine Market trends, economic indicators and regulatory changes that may impact the borrower's ability to make loan repayment.

DOCUMENTATION

• Prepare reports, summarize credit assessment and recommendations to senior management.
• Present findings to senior management.
• Review corporate documents and send out financing related document in a timely manner.
• Ensure financing structure and documentation are in compliance with the company's policies and procedures.

RISK MITIGATION/ANALYSIS

• Identify potential areas of credit risk and make recommendations to minimize losses.
• Analyze credit data and financial Statements to determine the degree of risk involved in credit or lending money.
• Identify practices within the Organization that contribute to increased financial risk.
• Develop plans to minimize and mitigate negative financial outcomes.

CREDIT REPORT REVIEW AND LOAN STRUCTURING

• Examine credit reports to identify any outstanding debts, defaults, bankruptcies or other negative information.
• Determine appropriate loan terms.

QUALIFICATIONS

• Bachelor's Degree in Finance, Accounting, Economics or a related field.
• Analytical skills
• Attention to detail
• Communication Skills
• Ability to assess risk.
• Problem solving
• Accurate Time Management
• Proficiency in Financial analysis software, spreadsheet and other relevant tools.
• Adaptability