Credit Analyst – Leasing

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Job Description

Job Purpose:

The Credit Analyst will support our client with customer credit approval, portfolio management, implementation of internal controls, audit adherence, risk analysis, AML, and quarterly/ad-hoc reporting requirements.

 

Key Responsibilities:

Reporting to the Senior Credit Analyst, you will be required to carry out the following tasks:

  • Conduct thorough analysis of financial statements and assessment of credit requests, including new customer requests, credit reviews, and other ad-hoc change requests.
  • Provide recommendations to management based on analysis and assessment of credit risk.
  • When required discuss credit applications directly with the customer to better understand their business and financial performance.
  • Maintaining credit ownership for application through the entire credit process managing approval or decline communication.
  • Effectively manage and monitor portfolio quality on an ongoing basis and proactively report potential risks and opportunities to management.
  • Perform KYC/AML checks on customers and escalate issues to compliance as required. Ensure compliance with clients Credit Regulations.
  • Proactively identify process improvements opportunities.
  • Support key controls and audit compliance activities in relation to the credit function, while ensuring integrity and compliance at all times.
  • Review and update policies and procedures.
  • Calculate risk ratings based on audited financial statements.
  • Complete Central Credit Register enquiry searches where required.
  • Update the relevant data fields on Key 2 system following credit approval.

 

Key Capabilities:

  • 2+ years’ experience
  • Strong communication and negotiation skills
  • Strong business acumen with ability to interpret business financial statements and key drivers of results.
  • Proven analytic, problem-solving abilities
  • Organised, detail-oriented, and ability to work efficiently with limited supervision
  • Strong interpersonal skills needed such as integrity, assertiveness and initiative
  • Self-motivated and resourceful

 

Desirable:

  • Bachelor’s degree in finance, Accounting or related field
  • 2 Years’ experience in Credit Analysis
  • Leasing or Asset Finance experience
  • Collections experience
Apply via LinkedIn