Digitvant Microfinance Bank - We offer a comprehensive digital banking experience, featuring savings, loans, fund transfers, and online payments via our website and App. Our platform allows customers to manage their finances efficiently and access a wide range of personalised services to meet evolving needs.
Job Summary
- The Credit Analyst will be responsible for evaluating credit data, assessing the creditworthiness of potential and existing clients, and making recommendations to support sound lending decisions.
- The ideal candidate will have strong analytical skills, a keen eye for detail, and experience in credit risk assessment.
Key Responsibilities
- Conduct thorough analysis of financial statements, credit reports, and other relevant data to assess risk.
- Review loan applications to determine eligibility and repayment potential.
- Recommend loan terms based on risk assessment.
- Monitor existing credit accounts to identify early warning signs of potential default.
- Prepare detailed credit reports and present findings to Management.
- Ensure compliance with company policies, regulatory requirements, and industry best practices.
- Collaborate with the recovery team to manage delinquent accounts.
Requirements
- Bachelor’s Degree in Accounting, Banking and Finance, Economics, or a related field.
- Minimum of 3 years' experience in credit analysis, preferably in a banking, fintech, or microfinance setting.
- Strong knowledge of credit risk principles, lending regulations, and financial analysis.
- Excellent analytical, problem-solving, and decision-making skills.
- Proficiency in Microsoft Excel and financial modeling tools.
- Strong attention to detail and accuracy.
- Good communication and report-writing skills.
Method of Application
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