Credit Analyst / Credit Officer

Role DescriptionWe are seeking analytical and detail-oriented professionals for the positions of Credit Analyst / Credit Officer. These roles focus on credit assessment, financial analysis, lending support, risk evaluation, and the management of credit-related activities. The ideal candidates should demonstrate strong numerical abilities, critical thinking, attention to detail, and a commitment to responsible lending, accurate financial assessment, and regulatory compliance.As a Credit Analyst, you will contribute to evaluating the creditworthiness of individuals, businesses, and other applicants by reviewing financial information and assessing repayment capacity. Responsibilities include analyzing financial statements, reviewing credit reports, evaluating income and liabilities, and assessing relevant financial indicators. You will examine credit applications, identify potential risk factors, and prepare analytical reports to support lending decisions. Additional duties may include reviewing cash flow projections, comparing financial performance, monitoring existing credit exposures, and recommending appropriate credit limits based on established policies. You will also help identify changes in credit risk, maintain accurate assessment records, and ensure that recommendations are supported by reliable financial information.As a Credit Officer, you will focus on coordinating credit applications, reviewing supporting documentation, and ensuring that credit-related procedures are completed accurately and efficiently. Responsibilities include verifying applicant information, checking documentation requirements, maintaining credit records, and coordinating with relevant departments throughout the credit assessment process. You will work closely with credit analysts, relationship teams, loan processing personnel, and compliance specialists to support timely application reviews and consistent credit administration. Additional duties may include monitoring application progress, communicating documentation requirements, updating credit management systems, and assisting with account reviews. You will also help ensure that credit activities follow internal policies, approval procedures, and applicable regulatory requirements.Both positions require confidentiality, accurate documentation, effective communication, and collaboration across finance and risk teams. Successful candidates will contribute to informed lending decisions, efficient credit administration, effective risk management, and reliable financial operations while supporting organizational objectives and maintaining professional standards.QualificationsA degree or diploma in Finance, Accounting, Economics, Banking, Business Administration, or a related discipline.Strong understanding of credit assessment, financial analysis, lending principles, and basic risk management.Familiarity with financial statements, cash flow analysis, credit reports, and repayment capacity assessment.Knowledge of credit documentation, application processing, and credit approval procedures.Understanding of lending policies, credit risk indicators, and responsible lending practices.Awareness of financial regulations, data confidentiality, and relevant compliance requirements.Familiarity with credit management systems, financial databases, or banking software is an advantage.Proficiency in Microsoft Excel, Word, and other relevant reporting tools.Strong numerical, analytical, organizational, and problem-solving skills.Excellent attention to detail and the ability to handle sensitive financial information responsibly.Effective written and verbal communication skills and the ability to collaborate with cross-functional teams.A proactive attitude, sound judgment, and commitment to accuracy, compliance, and continuous professional development.