Credit Analyst - Retail

Skills and Experience
2-3 years work experienceEducation
Bachelor Of Business

Responsibilities

Analyze the Consumer credit requests against the consumer lending guidelines as a basis for making approval / decline recommendations

Verify Compliance to consumer lending policy requirements through inspection of ability to pay, fulfillment of consumer MOU requirements and proper documentation to ensure credit risk is adequately mitigated.

Review existing consumer relationships and making recommendations to the management to aid quality consumer lending.

Prepare draft board papers for review of any consumer lending product facilities and guidelines for further review and further approval by the management.

Follow up with the branches to ensure fulfillment of ALL Consumer MOU sanction conditions and other covenants prior to disbursement of the facilities

Recommend policy reviews for customer service and risk management improvement based on experiences and industry trends

Monitor, on a continuous basis, all transactions to ensure that unusual and suspicious transactions are reported to the Money Laundering Reporting Officer (MLRO)

Implementing and enforcing the board approved AML, KYC & CFT policy in as far as is applicable within credit risk analysis

Do any other duties that may be assigned by the Management.

Job Requirements
Required education

Required relevant work experience

Required languages: