Credit Analyst

We are seeking an experienced credit professional with excellent communication and interpersonal skills who will be joining a dynamic and fast-paced environment.

PROFILE OVERVIEW

As the Credit Analyst, you will be responsible for reviewing applications by analysing financial and non-financial data, assessing credit risk, credit underwriting and client interaction. This is a mid-level position and will report to Credit Manager.

EXPERIENCE:

QUALIFICATION:

JOB LOCATION:

EMPLOYMENT TYPE:

YOUR JOB ROLE AT 121 FINANCE

• Analyse financial data - review balance sheets, profit & loss statements, cash flow statements, collateral documents
• Evaluate repayment capacity, credit history, industry risks, and collateral security
• Verify customer information KYC, employment or business details, and credit bureau reports
• Liaise with customers to clarify documentation requirements and resolve queries
• Prepare detailed credit assessment reports and risk analysis
• Recommend cases to higher authorities with details
• Work closely with sales, credit analysts, and operations teams to ensure smooth processing

WHAT WILL YOU BRING TO 121 FINANCE?

Experience

Essential Skillset required:

• Proficiency in MS Excel
• Knowledge of Credit underwriting, Credit Bureau reports
• Understanding of Software Tools ERP, CRM etc