Credit Analyst

Tổng quan về công việc và trách nhiệm

- Credit Assessment & Risk Management • Analyze credit bureau reports, bank statements, and KYC documents to evaluate applicants creditworthiness, financial health, and compliance with regulatory standards. • Conduct in-depth financial analysis and risk assessments for loan applications. • Evaluate loan applications and make informed credit decisions within the company s risk appetite. • Identify potential risks and recommend mitigation strategies to minimize defaults. - Loan Settlement • Before initiating settlement, assess the borrower s repayment capacity to ensure the total settlement amount is feasible • Handle settlements for all current obligations of the borrower • Obtain proof of all settlements from the customer to confirm successful loan closures. • Assist customers in setting up standing order/direct debit for smooth repayment of consolidated loans. • Work with internal credit risk and legal teams to ensure faster disbursement of the refinanced loan • Ensure compliance with regulatory guidelines and company credit policies - Customer Assistance & Support: • Guide borrowers through the loan settlement process, explaining terms and obligations • Address borrower concerns, resolve disputes, and provide financial counseling where necessary • Ensure borrowers understand the impact of settlements on their credit profile - Data Analysis and Reporting: • Track and analyze performance, default trends and prepare regular reports on settlements outcomes • Use Excel and CRM tools to manage and analyze large datasets on risk assessment and loan settlements • Provide data-driven insights to improve credit analysis and mediation strategies leading to improved success rates - Cross-Functional Collaboration: • Coordinate with credit risk, customer service and legal teams to optimize risk assessment and mediation strategies • Work closely with external lenders and financial institutions to ensure smooth loan closure • Communicate settlement terms and progress effectively with all stakeholders