Credit Analyst [SmartHire]

• Review and assess hire purchase loan and floor stock applications by analyzing applicant's financial statements (P&L, balance sheet, cash flow), credit reports, income documents, and other supporting data
• Recommend applications based on established credit policies, authority limits, and risk parameters
• Evaluate the potential risks associated with lending, considering factors such as customer profile, loan amount, repayment capability, and historical data
• Maintain accurate records of credit assessments, decisions, and justifications in the credit evaluation system
• Work closely with Sales and Operations departments to facilitate loan processing and resolve queries or discrepancies
• Conduct Know Your Customer (KYC) reviews for individual and corporate applicants, ensuring complete and accurate documentation.
• Perform Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) where applicable, in line with internal policies and regulatory requirements.
• Work closely with compliance team to identify and report any suspicious activities or red flags.
• Maintain accurate records and ensure timely refresh of KYC documentation.
• Any other duties assigned on ad-hoc basis

• Degree in Finance, Accounting, Business, or a related field
• Minimum 2 years of experience in credit risk assessment, preferably in hire purchase lending and floor stock
• Strong knowledge of credit analysis, credit scoring, and risk management practices
• Experience in KYC compliance is preferred
• Excellent analytical, decision-making, and problem-solving skills
• High attention to detail and ability to work under pressure
• Proficiency in MS Office

EPS Consultants