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Credit Analyst Job at HiLEAD Consults
HiLEAD Consults
Job Description
The Credit Analyst will be responsible for assessing, analyzing, and recommending credit applications, ensuring that lending decisions align with the company’s risk appetite, portfolio quality standards, and regulatory framework.
The role requires a balance of strong analytical skills, fieldwork, and client relationship management.
Duties, Roles and Responsibilities
- Conduct thorough financial and non-financial analysis of loan applications.
- Assess borrower capacity, collateral, character, and conditions in line with institutional credit policies.
- Prepare detailed credit appraisal reports with recommendations for approval/rejection.
- Identify, evaluate, and mitigate credit risks at both client and portfolio level.
- Ensure compliance with Tier 4 Microfinance regulatory requirements and Talanta Finance credit policy.
- Monitor loan performance and flag early warning signs of potential default.
- Support loan officers in maintaining a healthy loan book.
- Participate in portfolio reviews and provide insights on credit trends.
- Work closely with recovery teams to minimize portfolio at risk (PAR).
- Conduct due diligence and site visits to verify client information.
- Guide loan officers and clients through the credit application process.
- Provide financial literacy support to clients where necessary.
- Maintain accurate credit files and ensure completeness of loan documentation.
- Generate periodic reports on credit analysis, portfolio performance, and risk trends.
- Present findings and recommendations to the Credit Committee.
Qualifications, Education and Competencies
See all details of the qualifications, competencies and education for this role under the "How to Apply" section below.
Apply here: https://forms.gle/PVZUeUqvo93NvL9J9
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