Credit risk

Job: Credit/Risk Analyst at Greengates Group

Risk/Credit Analyst Job Description

Job Overview

Our business is a financial company and we are recruiting a talented Credit/Risk Analyst to join our team. If you are thrilled to be part of a winning team, Mezcredit Finance Limited is a great place to grow your career.

Risk/Credit Analyst Responsibilities

  • Analyze data to better understand potential risks, concerns and decision outcomes
  • Aggregate data from multiple sources to provide a comprehensive assessment
  • Create reports, summaries, presentations and process documents to display results
  • Collaborate with other team members to effectively analyze and present data
  • Develop systems and processes to collect and store data for future analytical projects
  • Conduct research on potential clients and understand the risks of accepting each one
  • Identify economic and financial trends that may pose a risk to the business
  • Monitor internal and external data points that can affect the risk level of a decision
  • Ensure that clients interested in taking out loans are provided with the necessary information to access the loan.
  • Collection of necessary financial information/documents and assessment of customer creditworthiness.
  • Calculation and analysis of client risk ratios based on the client’s credit rating and financial history.
  • Loan recommendation for approval/denial based on in-depth analysis of client’s credit application.
  • Maintain loan portfolio.
  • Establish payment plans for clients and ensure approved loans are promptly disbursed in accordance with management approval.
  • Loan monitoring to ensure that loan clients comply with loan terms and conditions.

Qualifications for the Risk/Credit Analyst

  • One to five years of experience as an analyst in a similar company or related field
  • Demonstrated ability to prioritize tasks and meet daily project deadlines
  • Strong written and verbal communication skills to inform managers and other stakeholders of results
  • Proficiency in Microsoft Excel, Access, Visio and other analytical programs
  • Ability to manage multiple projects and programs at the same time to complete work
  • Critical thinking skills with the ability to independently problem solve with data
  • Quantitative and analytical skills with a demonstrated ability to understand new analytical concepts
  • Basic knowledge of programming languages, such as SQL and Python
  • Presentation skills, including public speaking and creating presentations using PowerPoint or a similar program
  • Excellent knowledge of loan application procedures and best lending practices.
  • Exceptional analytical skills and ability to work with complex financial data.
  • Strong ethical behavior and ability to work with sensitive financial information.
  • Ability to analyze customer activity and identify credit risk associated with it and recommend mitigating actions as necessary

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