Retail Credit Analyst

- Review and analyze credit applications from retail clients, including personal loans, mortgage loans, car loans, and credit cards or any other retail asset product.
- Evaluate applicants’ creditworthiness based on financial statements, credit reports, and repayment history.
- Ensure all credit decisions comply with bank policies, regulatory guidelines, and legal requirements.
- Maintain adherence to risk management frameworks and escalate exceptions appropriately.
- Approve, decline, or recommend credit applications within delegated authority limits.
- Provide clear and concise justifications for decisions.
- Liaise with internal teams, including sales and operations, to gather additional information or clarify documentation.
- Communicate credit decisions and rationale to stakeholders promptly.
- Maintain accurate and organized records of credit applications, decisions, and supporting documentation.
- Prepare regular reports on credit assessments, trends, and portfolio performance.
- Identify potential risks in credit applications and recommend mitigating strategies.
- Stay informed about market trends and regulatory changes that may impact retail lending.
- Provide exceptional service to customers by ensuring timely and professional handling of credit assessments.
- Address customer queries and concerns related to credit applications.
- Work closely with sales stakeholders for implementing sales requirements and strategy in line with the organizational risk appetite.