Credit Underwriting Analyst

Role & responsibilities Credit applications timely review, with a feedback in line with laid down Bank Policy and Procedures Ensure that loans are originated in compliance with established policies and procedures and those exceptions are properly monitored, documented and approved Assist in developing and monitoring risk mitigation strategies for the organizations critical risk areas Evaluate and monitor the credit management process to Identify risk-related issues needing escalation to management Ensures that the Bank's credit exposures are within set risk bearing limits. Prepare periodic underwriting risk assessment reports Make recommendations about procedural/policy changes to the Head of Risk Keep an up-to-date information on key Credit issues (for example legal, market risk and compliance issues) Assist to enhance the quality of credit applications Ensure regulatory compliance Maintain working knowledge of relevant legislation, statutory instruments, codes of practice, and organization policies, and ensure adherence Preferred candidate profile 2 years relevant experience preferably at a high-growth tech startup in the financial services space Good credit sector understanding Ability to analyze financial data Ability to read large volumes of documents effectively and extract necessary information In-depth understanding of the risk mitigation strategies (credit decision level) Strong in oral communication, analytical and report writing skills Ability to effectively manage multiply priorities Sense of teamwork, cooperative, and adaptable to change. Ability to work under pressure and problem-solving abilities Excellent Excel skills Bachelors Degree Willing to work in Weekends on a rotating shift basis We consider as a plus: previous startup experience knowledge of the credit card or consumer finance industry in fintech