Credit Analyst – Retail Assets

The Credit Analyst will evaluate, analyse and recommend approval or rejection of retail loan applications while managing credit risk and ensuring compliance with institutional lending policies. The role also supports Relationship Managers (RMs) in preparing credit notes and submitting complete proposals for processing.

Key Responsibilities

• Evaluate credit applications across retail lending products.

• Assess applicant creditworthiness, repayment capacity and financial risk.

• Analyse loan proposals and recommend approval, rejection or appropriate loan terms.

• Support RMs in preparing credit notes and complete credit proposals.

• Ensure compliance with bank credit policies and lending guidelines.

• Identify potential default risks and support portfolio quality.

• Maintain target turnaround times for credit processing.

Loan Products Covered

• Home Loans

• Loan Against Property (LAP)

• Business Loans

• Auto Loans

• Personal Loans

• Credit Cards

Ideal Candidate Profile

• Experience as a Retail Asset Credit Underwriter or Credit Analyst.

• Knowledge of retail loan assessment and credit risk evaluation.

• Ability to analyse financial information and assess borrower creditworthiness.

• Familiarity with credit documentation, proposal preparation and lending policies.

• Strong analytical skills and attention to detail.

How to Apply

Interested candidates can contact 8589036620 or apply through the Imates Consultants job listing.