About Company
Career.zycto is rapidly becoming a pivotal force in connecting top-tier financial talent with dynamic opportunities across Mauritius. We understand that a Credit Analyst seeks more than just a job; they desire a platform for growth, meaningful impact, and continuous learning. Our mission is to empower professionals like you by identifying roles that align perfectly with your expertise and career aspirations. We foster a collaborative environment, valuing precision, ethical practices, and forward-thinking strategies, ensuring every placement contributes to both individual success and broader economic stability. Join us and shape your financial future.
Advertisement
Job Description
We are seeking a highly analytical and detail-oriented Credit Analyst to join our esteemed team, focusing specifically on loan portfolio review. This critical role involves meticulously assessing the creditworthiness of clients, evaluating loan applications, and proactively monitoring existing loan portfolios to identify potential risks and ensure compliance with regulatory standards. As a Credit Analyst, you will be instrumental in supporting sound lending decisions, contributing directly to the financial health and strategic growth of our partners within the financial services sector. Your expertise will not only safeguard assets but also identify opportunities for portfolio optimization and risk mitigation.
This position demands a professional who thrives in a fast-paced environment, possesses an excellent understanding of financial markets, economic trends, and regulatory frameworks specific to the Mauritian financial landscape. You will be responsible for preparing comprehensive credit reports, conducting in-depth financial analysis, and presenting your findings and recommendations to senior management. The ideal candidate will be adept at utilizing various financial modeling tools and possess strong quantitative skills to interpret complex data and forecast potential outcomes. Collaboration is key; you will work closely with lending teams, risk management, and compliance departments to ensure a cohesive and integrated approach to credit management. If you are passionate about fostering robust financial practices and have a keen eye for detail combined with strategic foresight, this opportunity at Career.zycto in Curepipe is an excellent platform for advancing your career.
Key Responsibilities
- Conduct thorough financial analysis of individual and corporate clients, including cash flow, balance sheet, and income statement analysis.
- Prepare detailed credit proposals and risk assessments for new loan applications and renewals.
- Monitor and analyze existing loan portfolios for potential credit risks, trends, and compliance with lending policies.
- Identify early warning signals of credit deterioration and recommend appropriate actions to mitigate losses.
- Ensure strict adherence to internal credit policies, regulatory guidelines, and international financial reporting standards.
- Develop and maintain comprehensive credit files, ensuring accuracy and completeness of all documentation.
- Collaborate with internal departments, including sales, legal, and collections, to facilitate smooth credit operations.
- Present findings, reports, and recommendations to senior management and credit committees.
- Stay abreast of economic conditions, industry trends, and changes in regulatory environment impacting credit risk.
- Participate in the review and enhancement of credit risk models and methodologies.
Required Skills
- Proven experience as a Credit Analyst, specifically in loan review and portfolio management.
- Strong understanding of financial statements, accounting principles, and financial analysis techniques.
- Proficiency in Microsoft Excel for data analysis and financial modeling.
- Excellent written and verbal communication skills in English and French.
- Ability to work independently and as part of a team in a dynamic environment.
- Strong analytical, problem-solving, and decision-making abilities.
- High level of integrity, attention to detail, and accuracy.
- Knowledge of local and international banking regulations and compliance standards.
Preferred Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, or a related field.
- Master’s degree or professional certifications such as CFA, ACCA, or similar.
- Experience with credit risk software and financial databases.
- Familiarity with the Mauritian financial market and banking products.
- Experience with IFRS 9 and its implications for credit risk.
Perks & Benefits
- Competitive salary package and performance-based bonuses.
- Comprehensive health and wellness benefits.
- Opportunities for professional development and continuous learning.
- Generous paid time off and holidays.
- Collaborative and supportive work environment.
- Contribution to a leading role in the financial services industry.
- Modern office facilities in a vibrant commercial district.
How to Apply
To embark on this exciting career journey, please submit your detailed CV and a compelling cover letter outlining your relevant experience and why you are the ideal candidate for this role. We encourage you to click on the application link below to apply for the job directly.
Advertisement
