Credit Analyst / Underwriter at The Luvanex Foundation

Department: Finance
Reports to: Chief Financial Officer
Period & Mode of Engagement: Full-time employment with a probationary period of 6 months.

Job Brief

• A professional Credit analyst to determine our customers' creditworthiness.
• He/ She will analyze financial data to assess the likelihood of a borrower honoring their financial obligations.

Responsibilities

• Assess credit worthiness of existing or prospective clients
• Examine financial transactions and credit history case by case (applications, statements, legal documents etc.)
• Complete ratio, trend and cash flows analyses and create projections
• Evaluating clients credit data and financial statements in order to determine the degree of risk involved in lending money to them.
• Determine in depth the degree of risk involved
• Analyzing client records and using the data to recommend payment plans
• Carefully analyze data and produce clear and objective reports
• Routinely monitor loans for compliance
• Adhere to credit policy and guidelines
• Monitor corporate portfolio asset quality on an ongoing basis
• Draft models of credit information that predict trends and patterns.

Job Qualifications

• Proven work experience as a credit analyst
• Proficiency in statistical packages and financial software
• Up to date with legal, compliance and market risk related issues
• Ability to analyze cash flows, leverage, collateral and customer strength
• Strong communication and presentation skills
• Sound judgment
• BSc degree in Economics, Banking and Finance or related field
• Minimum 2 year experience in a financial institution and in similar capacity is compulsory.