Senior Credit Analyst

Credit Assessment & Decisioning

• Review and evaluate Business Banking credit applications in line with approved credit policies and guidelines.
• Conduct required credit checks, documentation reviews, and system validations before recommending or issuing decisions.
• Process approvals, declines, and rejections within the relevant credit systems.
• Ensure all decisions are supported by accurate analysis and complete documentation.

Credit Operations & Administration

• Process credit-related activities accurately and within agreed turnaround times.
• Issue Letters of Undertaking (LOU), Local Purchase Orders (LPO), and related documentation following approval.
• Support ongoing credit administration and portfolio maintenance activities.
• Assist in the preparation and maintenance of management information and reporting.

Risk Management & Controls

• Perform periodic control checks and identify discrepancies or process gaps.
• Escalate irregularities, incidents, or potential risks in a timely manner.
• Ensure compliance with internal procedures, operating guidelines, and regulatory requirements.
• Contribute to maintaining a strong control environment across the Credit function.

Stakeholder Management

• Collaborate with Business Banking, Sales, Credit Operations, and other internal stakeholders.
• Build strong working relationships to ensure smooth processing and excellent service delivery.
• Communicate effectively on application status, documentation requirements, and operational matters.
• Support internal customers while maintaining service quality and turnaround standards.

Process Improvement

• Identify opportunities to improve credit processes, controls, and operational efficiency.
• Recommend enhancements that improve customer service while maintaining risk discipline.
• Participate in departmental initiatives and continuous improvement programs.
• Support the implementation of new procedures and best practices.

Education

• Bachelor's Degree in Finance, Business, Banking, Economics, or a related discipline.

Experience

• Minimum 2 years of experience within Banking or Financial Services.
• Experience in Credit Operations, Credit Assessment, Lending Operations, or a related function.
• Understanding of retail and/or business banking credit processes.

Industry Exposure

• Knowledge of credit policies, documentation requirements, and lending processes.
• Familiarity with banking systems and credit workflows.
• Understanding of regulatory and compliance requirements within the banking sector.

What's In It For You:

• Competitive, performance-linked compensation.
• Medical coverage for you and your family.
• Comprehensive life insurance.
• Opportunity to build a rewarding career within Credit Risk and Banking Operations.
• Exposure to a broad range of Business Banking credit products.
• A collaborative and performance-driven work environment focused on continuous development.

Skills:

• Credit Analysis: Understanding of lending processes, documentation, and credit assessment principles.
• Attention to Detail: Ability to process transactions and reviews accurately.
• Risk Awareness: Strong focus on controls, compliance, and risk mitigation.
• Customer Service: Commitment to delivering high-quality support to internal and external stakeholders.
• Problem Solving: Solutions-oriented mindset with strong analytical capabilities.
• Teamwork & Communication: Ability to collaborate effectively across multiple functions.

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