About Company
Career.zycto is not just a recruitment firm; we’re architects of career growth, connecting exceptional talent with pioneering opportunities across Mauritius. For a meticulous Credit Analyst specializing in loan review, our network offers unparalleled access to leading financial institutions. We understand the nuances of the financial sector and are committed to placing professionals where their analytical prowess can truly shine. Join us, and let’s shape your next significant career chapter in an environment that values precision, insight, and strategic thinking.
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Job Description
We are seeking a highly analytical and detail-oriented Credit Analyst to join a dynamic financial institution in Curepipe, specializing in comprehensive loan review and credit risk assessment. This pivotal role involves evaluating the creditworthiness of loan applicants, analyzing financial data, and preparing detailed credit reports to support lending decisions. The successful candidate will be instrumental in maintaining the quality of the loan portfolio, identifying potential risks, and ensuring compliance with regulatory requirements and internal policies.
As a Credit Analyst, you will delve into financial statements, cash flow projections, and collateral valuations for various loan types, including personal, business, and corporate credits. Your expertise will directly impact our institution’s ability to make sound lending choices, mitigate risk, and foster sustainable growth. You will collaborate closely with loan officers, relationship managers, and risk management teams, providing crucial insights that shape our client offerings and portfolio strategy. This position offers a fantastic opportunity for a professional passionate about financial analysis to contribute significantly to a leading organization, enhancing their skills in a fast-paced and challenging environment while gaining exposure to a diverse range of financial products and client segments. We are looking for someone who thrives on precision, possesses excellent problem-solving abilities, and is committed to continuous improvement in a critical function.
Key Responsibilities
- Conduct thorough financial analysis of loan applications, including assessment of financial statements, cash flow, collateral, and industry trends.
- Prepare comprehensive credit reports and recommendations for approval, denial, or restructuring of loans.
- Perform ongoing monitoring and review of existing loan portfolios to identify potential credit deterioration and recommend appropriate actions.
- Assess and quantify credit risk exposure, providing risk ratings and mitigation strategies.
- Ensure compliance with internal credit policies, procedures, and relevant regulatory requirements.
- Collaborate with loan officers and relationship managers to gather necessary documentation and clarify financial information.
- Contribute to the development and enhancement of credit policies and analytical tools.
- Present findings and recommendations to credit committees and senior management.
- Stay abreast of economic conditions, industry trends, and regulatory changes affecting credit risk management.
Required Skills
- Proven experience as a Credit Analyst or similar role within a financial institution (minimum 3 years).
- Strong understanding of financial statement analysis, credit risk assessment, and financial modeling techniques.
- Proficiency in Microsoft Excel and financial analysis software.
- Excellent analytical, problem-solving, and decision-making skills.
- Exceptional written and verbal communication abilities, with the capacity to present complex information clearly and concisely.
- Knowledge of local and international banking regulations and compliance standards.
- High degree of accuracy and attention to detail.
- Ability to work independently and as part of a team in a fast-paced environment.
Preferred Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or a related field.
- CFA, ACCA, or similar professional certification.
- Experience with credit scoring models and portfolio management systems.
- Familiarity with the Mauritian financial market.
Perks & Benefits
- Competitive salary and performance-based bonuses.
- Comprehensive health and wellness benefits.
- Opportunities for professional development and career advancement.
- Supportive and collaborative work environment.
- Generous paid time off.
- Retirement savings plan.
How to Apply
Interested candidates are invited to submit their detailed resume and a cover letter outlining their qualifications and experience. Please highlight your specific experience in loan review and credit analysis. Click on the application link below to apply for this job.
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