Credit Analyst / Credit Officer

Role DescriptionWe are seeking analytical, detail-oriented, and financially minded professionals for the positions of Credit Analyst / Credit Officer. These roles focus on assessing creditworthiness, evaluating financial information, managing credit applications, and supporting responsible lending decisions. Successful candidates will contribute to credit risk assessment, financial documentation, portfolio monitoring, and compliance with established credit policies and procedures.Credit Analysts are responsible for analyzing financial statements, reviewing credit histories, evaluating repayment capacity, and assessing the potential risks associated with lending decisions. Key duties include examining income, liabilities, cash flow, and financial ratios; preparing credit assessment reports; identifying risk factors; and recommending appropriate credit limits or lending conditions. They also monitor borrower performance, review changes in financial circumstances, and provide analytical insights to support credit decisions. Collaboration with risk management, relationship management, and finance teams helps ensure that assessments are accurate, consistent, and aligned with internal lending standards.Credit Officers focus on processing credit applications, reviewing supporting documentation, coordinating credit assessments, and ensuring that lending procedures are followed correctly. Responsibilities include verifying application information, checking the completeness of financial records, coordinating document requests, maintaining credit files, and communicating application requirements to relevant parties. They also assist with credit approvals, account reviews, repayment monitoring, and the preparation of operational reports. Their work supports efficient application processing, accurate recordkeeping, and adherence to internal policies and applicable regulatory requirements.Both roles require sound financial judgment, strong analytical abilities, and careful attention to detail. Professionals in these positions help maintain credit quality, identify potential risks, protect confidential financial information, and support transparent and consistent credit management practices.QualificationsDegree or diploma in Finance, Accounting, Banking, Economics, Business Administration, or a related discipline.Understanding of credit analysis, lending principles, financial statements, and basic risk assessment methods.Ability to interpret financial data, evaluate repayment capacity, and identify potential credit risks.Familiarity with credit reports, financial ratios, loan documentation, and credit assessment procedures.Knowledge of banking operations, credit policies, and relevant compliance requirements.Proficiency in Microsoft Office applications, particularly Excel, Word, and reporting tools.Familiarity with credit management systems, banking platforms, or financial analysis software is an advantage.Strong numerical, analytical, organizational, and problem-solving skills.Excellent written and verbal communication skills, with the ability to prepare clear reports and coordinate documentation.Commitment to accuracy, confidentiality, ethical conduct, and compliance with established procedures.