Credit Analyst

CREDIT ANALYST
INDUSTRY: BANKING
HR WORLD LTD on behalf of our reputable client, we're looking for a Credit Analyst who will assess and make decisions about customer credit applications using a range of criteria including the purpose of the application, credit viability, customer payment history, and customer creditworthiness.

*RESPONSIBILITIES;*

• Prepare written Credit Reviews and Credit Renewal Offerings.
• Complete required Credit Analysis and related training, as well as standard Bank, required compliance, and other training timely,
• Communicate with Loan Officers/Portfolio Managers i.e details and questions related to lending relationships and financial statements, per Credit Manager request.
• To process and approve credit applications within the current personal credit limit and to prepare a full credit analysis for credit proposals presentation in the credit committee.
• To clearly identify financial risks and/or other risks associated with the transaction (equipment, structures, etc).
• To check the accuracy of the financial information required for the study of applications.
• To perform verifications in different external and internal databases and complete the information system with the appropriate data to ensure the correct identification of all the parties involved in the application in accordance with the bank rules.
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• Meet and call customers for their financial information and report it to the management.
• To improve the effectiveness of the credit risk department tasks focusing on increasing automation.
• To Negotiate and discuss with both customers and lawyers about loan agreements and related agreements for documentation purposes.
  
  

QUALIFICATION;

• Bachelor’s degree in Business Administration or any other related fields.
• Minimum 5-6 years of relevant working experience.
• Proficiency in using Excel, Word, Outlook, and other applicable software.
• Knowledge of general banking business and transactions is required.
• Excellent communication, interpersonal skills, problem-solving, and decision-making aptitude.
  
  

Interested candidates may send their CVs to recruitment@hrworld.co.tz before 28th December 2022.