Marketing And Public Relations Manager

Credit Analyst - Credit Operations

The Credit Analyst – Credit Operations is a pivotal role responsible for evaluating credit applications, conducting thorough financial and credit due diligence, and supporting the end-to-end operational aspects of the credit lifecycle. This role requires close coordination with sales, operations, finance, and external stakeholders to ensure sound credit decisions while maintaining efficient turnaround times and portfolio quality.

• Credit Underwriting and Analysis
• Assess credit applications from customers and suppliers in accordance with established credit policies.
• Review financial statements, bank statements, trade references, and other relevant documentation to evaluate creditworthiness.
• Analyze payment behavior, industry trends, business models, and operational risks impacting the customer.
• Obtain and review reports from credit bureaus and external rating agencies.
• Recommend credit limits, payment terms, and conditions based on underwriting outcomes.
• Credit Operations
• Execute the onboarding process for approved customers, ensuring all documentation requirements are fulfilled.
• Coordinate with internal teams for system setup, limit activation, and disbursement readiness.
• Monitor credit limit utilization and ensure adherence to approved terms and conditions.
• Process credit limit enhancements, renewals, temporary limit requests, and amendments.
• Maintain accurate customer records and documentation within the credit management system.
• Portfolio Monitoring
• Conduct periodic reviews of existing customers to assess changes in financial position and risk profile.
• Track early warning indicators, overdue accounts, and deterioration in customer performance.
• Recommend revisions to credit limits or payment terms where necessary.
• Support portfolio quality reviews and concentration risk analysis.
• Reporting and MIS
• Prepare periodic reports relating to credit approvals, utilization levels, portfolio performance, and exceptions.
• Monitor key credit operational metrics, including turnaround times and approval volumes.
• Support internal and external audits by providing required documentation and explanations.
• Contribute to the enhancement of credit policies, procedures, and operational controls.