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Full-time
Credit Analyst Job at DFCU Bank
DFCU Bank
Job Description
The Credit Analyst is responsible for evaluating the creditworthiness of retail customers, conducting financial assessments, and preparing credit reports to support lending decisions. The role holder will minimize risk and maintain a profitable loan portfolio while advising on policy and process improvements to enhance agility.
Duties, Roles and Responsibilities
- Analyze and prepare credible credit proposals with the result of getting quick approval from the credit approval team and manage customer expectations.
- Propose appropriate structure and the financing need and pricing for the different credit applications and advise the relationship managers and customers accordingly to ensure that it meets set standards and complies with the credit policy.
- Timely submission of required documents to credit and legal departments to have fast turnaround time, compliance with internal controls as per credit approval criteria detailed in the Credit Policy and Operational Guidelines to avoid/minimize loss of revenue and prevention of frauds and forgeries.
- Make physical visits, inspect, and confirm the existence of the business for proposed credit facilities to ensure that customer business is in line with the bank’s acceptable credit risk appetite.
- Review existing credit facilities on an annual basis, make necessary propositions like renewals, restructures, to minimize arrears and avert likely NPA while ensuring customer retention, revenue stability and identify new business.
- Maintain annual credit review calendar and prompt relationship managers to obtain the necessary information for reviews of credit facilities.
- Review client’s compliance to set covenants and conditions at facility approval.
- Proper pricing of credit applications and reviews ensure full collection of fees and commissions for growing the revenue line.
Qualifications, Education and Competencies
See all details of the qualifications, competencies and education for this role under the "How to Apply" section below.
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