Job Summary

• To underwrite loan applications and ensure adherence to all-risk policies and procedures in the lending process.

Job Details

• Completes a thorough, in-depth analysis of new credit requests, credit change requests, renewals and annual relationship reviews.
• Delivers meaningful, detailed credit analysis while providing efficient, timely service to loan officers.
• Prepares reports, summaries and opinions for lenders on new, renewal and existing loans.
• Maintains an excellent working knowledge of the lending policies and procedures and identifies exceptions to policy.
• Develop and execute Credit Risk Reporting, including coordination of such reporting and execution of subsequent actions.

Requirements

• A Bachelor’s Degree in Finance/Banking/Economics/Accounting or other equivalent financial qualification.
• At least 3 years post qualification experience preferably in a financial institution.
• Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.
• Good knowledge of Asset and Sales Financing products and operations
• Knowledge of credit policies and standards and lending and lending policies and procedures.
• Must be able to understand financial data (Balance Sheets, Income Statements, Cash Flow Statements, Financial Ratios, etc.) and apply those skills as they pertain to the loan underwriting process.
• Strong analytical and quantitative skills.
• Ability to analyse information and evaluate results to choose the best solution and solve problems.
•  Ability to utilise relevant information and individual judgment to determine whether events or processes comply with laws, regulations or standards.
• Ability to build strong relationships with team members, company management and clients.
• Ability to interact with people from different cultures and countries.
• Strong interpersonal and communication skills, both verbal and written.
• Accuracy, superior attention to detail and excellent follow through.