Senior Credit Analyst

My client is one of the most exciting Fintechs in the region and they are looking for a Senior Credit Analyst to join their growing team.

*Responsible for supporting the credit function and delivering high-quality credit analytic reports.

*Responsible for undertaking detailed credit risk assessment analysis, recommendations, approval of applications, and when required visiting client premises.

*Responsible for identifying potential fraudulent applicants to protect the reputational and financial interests of the investors/platform.

*Accountable for reviewing original client documentation during the visit, including bank statements, authorised signatory validations, annual financial statements, invoices, KYC and KYB-related documents, etc.

*Provide recommendations tied to analysis and assessment of credit risk.

*Responsible for liaising with external credit reference agencies and other financial bodies and analysis of third-party risk management reports and requirements.

* Conduct a thorough analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing, and annual due diligence.

*Accountable for ensuring clients’ requests sit within our risk appetite and credit policy.

*Responsible for presenting credit proposals and deviations to the Group Head of Credit, demonstrating strong communication skills articulating all known material and significant risk.

*Present a summary report of analysis, findings, and recommendations to the Group Head of Credit, especially findings involving a borrower’s ability to repay; the report should cover all the key areas.

*Accountable for ensuring timely communication with the external credit auditors and making sure that the quality of approved applications sits within the credit policy and scorebook.

*Responsible for ensuring that the credit model and scorebook are errorless and all parameters are within the set parameters.

Salt is acting as an Employment Agency in relation to this vacancy.