We're Hiring | Assistant Manager - Credit Analyst (Retail Auto Division)

A Credit Analyst is responsible for evaluating the creditworthiness of individuals or businesses applying for loans and ensuring the lending decisions are safe and profitable.

Responsibilities:
. Analyze financial statements (balance sheet, income statement, cash flow).
. Evaluate the creditworthiness of borrowers (individuals or companies).
. Conduct ratio analysis, trend analysis, and cash flow analysis.
. Assess the borrower's repayment capacity and financial stability.
. Identify potential credit risks and mitigation strategies.
. Review borrower's credit history and repayment behavior.
. Prepare Credit Evaluation Reports (CER) or Credit Approval Memos (CAM).
. Recommend loan amount, tenure, interest rate, and collateral requirements.
. Verify financial information provided by the borrower.
. Analyze business models, industry risk, and market conditions.
. Identify early warning signals of default.
. Review borrower financial performance periodically.

Qualification:
. Bachelors or Masters degree in Economics, Finance and Business Administration.
. Credit Risk Management certifications is plus.

Experience:
. 3 to 5 years in Auto financing / consumer lending.
. Retail banking credit operation experienced is plus.

Required Skills:
Risk Management
Financial Assessment
Credit Analysis
Communication Skills
Analytical Skills