Join our dynamic team as a Junior Consumer Credit Analyst, where your exceptional experience in consumer credit analysis will drive informed lending decisions and support the financial well-being of our clients.
Key Responsibilities:
Advanced Credit Analysis: Conduct detailed and nuanced analysis of consumer credit applications, including reviewing complex credit histories, financial statements, and other pertinent documentation.
Risk Assessment and Mitigation: Assess and mitigate credit risk by evaluating applicant's financial stability and creditworthiness using both advanced quantitative and qualitative methods.
Strategic Recommendations: Provide informed and strategic recommendations on credit approval, modification, or denial, ensuring alignment with established credit policies and risk appetite.
Data Management and Reporting: Maintain meticulous records and documentation of credit assessments and decisions, ensuring compliance with internal policies and regulatory requirements. Prepare detailed reports and summaries for senior management.
Stakeholder Collaboration: Work closely with loan officers, senior analysts, and other internal stakeholders to refine credit decisions and risk assessments, fostering a collaborative approach.
Regulatory Compliance: Stay updated with industry trends, regulatory changes, and best practices in consumer credit analysis, and ensure all activities comply with applicable laws and regulations.
Process Improvement: Contribute to the continuous improvement of credit assessment methodologies and processes, leveraging your experience to drive efficiency's and enhance decision-making.
Qualifications:
Education: Bachelor's degree in Finance, Economics, Business Administration, or related field.
Experience: Significant experience in credit analysis, banking, or financial services, with a proven track record of exceptional performance.
Skills: Advanced analytic and problem-solving skills, attention to detail, and proficiency in financial analysis tools and software.
Communication: Excellent verbal and written communication skills, with the ability to present complex information clearly and concisely.
Leadership: Demonstrated ability to work independently and take ownership of projects, while also contributing effectively in a team environment.
Adaptability: Ability to manage multiple tasks simultaneously and adapt to changing priorities.
For further information about this position please apply.
