Credit Analyst

Role Overview: As a Credit Analyst specializing in home loans, you will play a crucial role in assessing the creditworthiness of prospective borrowers and ensuring the quality and integrity of the loan portfolio. Working within a dynamic and collaborative team, you will leverage your analytical skills and industry knowledge to make informed lending decisions while adhering to regulatory requirements. Key Responsibilities: - Identify and evaluate potential risks associated with each loan application, including credit, financial, and collateral risks, and recommend appropriate risk mitigation strategies. - Collaborate effectively with internal stakeholders, including loan officers, underwriters, and senior management, to communicate credit decisions, resolve issues, and provide guidance on credit-related matters. - Make informed and timely lending decisions based on the results of credit analysis, balancing risk and reward to maintain a high-quality loan portfolio. - Ensure compliance with internal credit policies, as well as regulatory guidelines and industry best practices, throughout the credit assessment process. - Stay abreast of industry trends, market conditions, and regulatory changes affecting the home loan market, and contribute to the ongoing enhancement of credit policies and procedures. Qualifications: - Bachelor's degree in finance, accounting, economics, or a related field. Additional certifications (e.g., CPA, CFA) are advantageous. - Strong attention to detail, critical thinking, and problem-solving abilities, with a commitment to delivering accurate and timely results. Additional Company Details: - Shift Timings: 06:00 am to 2:30 pm - Job Types: Full-time, Permanent, Fresher Benefits: - Paid sick time - Paid time off Schedule: - Day shift - Fixed shift - Monday to Friday - Morning shift - Weekend availability Additional Information: - Performance bonus Experience: - Total work: 1 year (Preferred) Work Location: In person Role Overview: As a Credit Analyst specializing in home loans, you will play a crucial role in assessing the creditworthiness of prospective borrowers and ensuring the quality and integrity of the loan portfolio. Working within a dynamic and collaborative team, you will leverage your analytical skills and industry knowledge to make informed lending decisions while adhering to regulatory requirements. Key Responsibilities: - Identify and evaluate potential risks associated with each loan application, including credit, financial, and collateral risks, and recommend appropriate risk mitigation strategies. - Collaborate effectively with internal stakeholders, including loan officers, underwriters, and senior management, to communicate credit decisions, resolve issues, and provide guidance on credit-related matters. - Make informed and timely lending decisions based on the results of credit analysis, balancing risk and reward to maintain a high-quality loan portfolio. - Ensure compliance with internal credit policies, as well as regulatory guidelines and industry best practices, throughout the credit assessment process. - Stay abreast of industry trends, market conditions, and regulatory changes affecting the home loan market, and contribute to the ongoing enhancement of credit policies and procedures. Qualifications: - Bachelor's degree in finance, accounting, economics, or a related field. Additional certifications (e.g., CPA, CFA) are advantageous. - Strong attention to detail, critical thinking, and problem-solving abilities, with a commitment to delivering accurate and timely results. Additional Company Details: - Shift Timings: 06:00 am to 2:30 pm - Job Types: Full-time, Permanent, Fresher Benefits: - Paid sick time - Paid time off Schedule: - Day shift - Fixed shift - Monday to Friday - Morning shift - Weekend availability Additional Information: - Performance bonus Experience: - Total work: 1 year (Preferred) Work Location: In person