The primary role for a Credit Analyst Team Member is to support the Credit function by analyzing credit data and financial information to determine the degree of risk involved, the (Credit Analyst) also will be involved in the collection follow up.
Role and Responsibilities
- Researching and evaluating clients’ creditworthiness.
- Analyze various qualitative and quantitative data (including income determination, bank statements, financial statement, credit bureau reports and other relevant documents provided by customers to support the request) to determine the degree of risk in the granting or underwriting of credit according to group credit policy and procedure.
- Approving or rejecting loan requests, according to Zain Cash credit policy.
- Monitoring payments and installments.
- Maintaining records of loan applications.
- Prepare the daily collection plan and arrange collections accordingly.
- Carry out timely and relevant communication between credit and applicant as well as all other parties involved in the approval process.
- Underwrite/approve credit requests within the role’s approval authority or initiate the escalation of the credit request to a higher approving authority detailing requested exceptions if any, department’s recommendation, based on the results of the assessment.
- Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and collaboration and ensure timely communication of issues/ points of interest/Keep current on emerging trends and developments and grow knowledge of the business, related tools and techniques /Prepare and submit credit assessment report to the approver, recommend and or adjust limits based on the results based on the analysis of the financial situation and gathered information.
We are an equal opportunity employer and welcome applicants from all backgrounds, including People with disabilities or people who have undergone severe surgeries and require special accommodations. We provide an inclusive work environment and are committed to accommodating all employees.
If you require accommodations during the application or interview process, please let us know and we will work with you to meet your needs.