- Conduct comprehensive credit analysis for mortgage applications, assessing applicants’ financial backgrounds and creditworthiness.
- Evaluate and interpret financial statements, credit reports, and other relevant documentation to determine risk levels.
- Prepare detailed credit assessment reports and present recommendations to the credit committee.
- Collaborate with underwriting team to streamline the credit approval process.
- Analyze market trends and economic data to inform credit risk strategies and lending policies.
- Ensure all credit files are accurately maintained and updated in accordance with company standards.
- Assist in the development and refinement of credit scoring models and risk assessment tools.
- Support continuous improvement initiatives to enhance the efficiency and effectiveness of the credit analysis process.
Bachelor’s degree in Finance, Accounting, Economics, or a related field.2-4 years of experience in credit analysis, within the mortgage or Financial Institution sector.Strong analytical and quantitative skills with a keen attention to detail.Proficiency in interpreting financial statements and credit reports.Excellent written and verbal communication skills.Familiarity with local regulatory requirements and compliance standards.Proficiency in Microsoft Office Suite, especially Excel.