Credit Operations Analyst at Helium Health

Desription

We are looking to hire a Credit Operations Analyst who will be responsible for loan processing and documentation, portfolio monitoring and risk management, compliance and policy adherence, data analysis and reporting, and credit process improvement .

Responsibilities:

• Perform analysis to create a dynamic dataset of loan books, tracking approval and booking of loans within a positive TAT while ensuring the company’s budget and targets are met.
• Contribute immensely to the development of business requirement documents, credit policies, credit memos and other relevant risk management policies to guide the loan requirement process thereby lessening documentation without the projected risk of adverse effects on portfolio, in line with global best practices.
• Verify client information and all documents for authenticity and detection of fraud, adhering to credit policy guidelines and regulatory policies.
• Collaborate with credit risk, collections & recovery, growth & collection associates, and other internal & external stakeholders to facilitate smooth loan processing and collections.
• Monitor loans for compliance and conduct research and evaluate how changes in macroeconomic environment (including competitor trends) impacts the performance of credit portfolios.
• Monitor, observe, and report on trends and patterns which will improve the loan process.
• Prepare periodic and annual reports concerning the status of loan collection and follow up on non-performing loans and ensure reporting and record keeping system, identifying defaulting demographics.
• Ensure timely execution of offer letters and loan contracts 
• Support development of automated processes to enable efficient collections operations.  
• Collect and track various datasets and metrics across all the teams within HeliumCredit.
• Collaborate with collections & recovery and other relevant teams to address any issues of high non-performing loans in the company portfolio.
• Demonstrate service excellence.
• Any other related duties as required.

Requirements

• A minimum of 2 - 4 years of experience in banking, loan collections, credit operations, and credit risk analysis
• Bachelor’s Degree in Accounting, Business Management or any other related field is required
• Excellent organizational, analytical and time-management skills.
• Prompt and consistent attention to details, with strong multitasking abilities.
• Knowledge of billing procedures and loan collection techniques
• Familiarity with laws related to debt collection and credit operations
• Strong stakeholder management and communication skills.
• Excellent negotiation skills
• Motivated self starter with the ability to work independently with purpose and accuracy in a fast-paced environment
• High proficiency in all areas of Microsoft Office including Outlook, Word, Excel and PowerPoint.