Risk Analyst (Credit Risk) at Zedvance Limited

RESPONSIBILITIES

• Review credit request and documentation.
• Review all the relevant paperwork that has been submitted.
• Check loan-to-value and debt-to-income ratios.
• Maintaining accurate records of all activity on each account.
• Make loan decisions through various means including credit history review, credit scoring and affordability analysis.
• Assess and review the financial position and credibility of customers seeking loans.
• Review and update loan files and credit documentation.
• Obtain and compile copies of applicant’s credit histories, financial statements and other financial information.
• Ensure clients adhere to loan agreements and ensure that repayment is done on time.

REQUIREMENTS

• At least 1 year of experience working in financial service sector.
• Excellent interpersonal and communication skills, both verbal and written.
• Attention to detail.
• High-level numeracy and an understanding of financial processes.
• An understanding of credit scores.
• Expert knowledge of databases, word processors and spreadsheets.
• Working knowledge of loan operations with banks or lenders with agency exposure.
• Impeccable customer service and customer handling skills.
• Working knowledge of credit unions and how they deliver financial services.
• Firm grasp of financial, documentation and administration procedures.
• Ability to analyse loan applications and supporting documents for issuance of loans.
• Strong numerical skills to handle loan calculations and repayments for the customers.