About Company
Career.zycto isn’t just a workplace; it’s where ambition meets opportunity in the heart of Savanne District. We are a dynamic financial services provider committed to fostering local economic growth and empowering individuals and businesses through sound credit solutions. For a Credit Analyst, this means a chance to make a tangible impact, leveraging your analytical prowess to shape responsible lending practices and contribute directly to our community’s prosperity. Join us and grow your expertise in a supportive, forward-thinking environment.
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Job Description
Are you a meticulous financial professional with a keen eye for detail and a passion for responsible lending? Career.zycto is seeking a dedicated Credit Analyst – Loan & Review Specialist to join our thriving team in Chemin Grenier, Savanne District. This critical role involves conducting in-depth financial analysis, assessing credit risk, and ensuring the health and integrity of our loan portfolio. You will be instrumental in evaluating credit applications from individuals and businesses, scrutinizing financial statements, market data, and economic trends to make informed recommendations that align with our strategic objectives and risk appetite.
At Career.zycto, you’ll be more than just an analyst; you’ll be a trusted advisor contributing to our clients’ financial success and the sustainable growth of our organization. We are looking for someone who thrives in a fast-paced environment, can manage multiple priorities, and possesses excellent communication skills to articulate complex financial information clearly and concisely to various stakeholders. Your day-to-day will involve a deep dive into financial models, engaging with diverse client profiles, and presenting your insights in a clear, persuasive manner. You will play a pivotal role in reviewing existing loan facilities, proactively identifying potential risks, and proposing effective mitigation strategies to safeguard our assets and ensure robust portfolio health.
This position offers a unique opportunity to apply your expertise in a local context, gaining invaluable insights into the specific economic dynamics of Mauritius while being part of a team that values innovation, integrity, and community impact. We believe in empowering our employees to take ownership and contribute meaningfully to our collective success. You will have the chance to grow your professional skills, stay ahead of industry best practices, and collaborate with experienced professionals dedicated to making a difference. If you’re ready to take on a challenging yet immensely rewarding role where your analytical skills directly contribute to our mission of financial empowerment and regional development, we encourage you to apply and become a key player in our journey.
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Key Responsibilities
- Conduct comprehensive financial analysis of new and existing loan applications, including business financial statements, personal credit histories, and collateral evaluations.
- Assess creditworthiness, identify potential risks, and assign appropriate credit ratings in accordance with company policies and regulatory guidelines.
- Prepare detailed credit proposals and memos, presenting a clear and concise summary of findings, analysis, and recommendations for approval to senior management.
- Perform periodic reviews of the loan portfolio to monitor performance, identify early warning signs of distress, and recommend proactive risk management strategies.
- Ensure strict adherence to all internal lending policies, procedures, and external financial regulations specific to Mauritius.
- Liaise effectively with clients, relationship managers, and other internal departments to gather necessary information and clarify financial data.
- Participate in the development and refinement of credit risk models, policies, and procedures to enhance efficiency and effectiveness.
- Stay updated on industry trends, economic indicators, and regulatory changes affecting the credit landscape in Mauritius.
Required Skills
- Proven experience as a Credit Analyst or in a similar financial assessment role (minimum 2.5 years).
- Strong analytical and quantitative skills, with proficiency in financial statement analysis and cash flow projections.
- Excellent understanding of credit principles, risk management methodologies, and lending best practices.
- Proficiency in Microsoft Excel for data analysis and financial modeling.
- Solid knowledge of local financial regulations and compliance requirements in Mauritius.
- High level of accuracy and attention to detail.
- Effective written and verbal communication skills in English.
- Ability to work independently and collaboratively in a team environment.
Preferred Qualifications
- Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field.
- Professional certification such as CFA (Chartered Financial Analyst) or equivalent.
- Fluency in French and Mauritian Creole.
- Experience with specialized credit analysis software or CRM systems.
Perks & Benefits
- Competitive salary and performance-based bonuses.
- Comprehensive health and wellness benefits package.
- Opportunities for professional development and career advancement.
- Generous paid time off and public holidays.
- A supportive and collaborative work environment.
- Contribution to local economic growth and community development.
How to Apply
Interested candidates are invited to submit their comprehensive resume and a cover letter detailing their relevant experience and why they are a perfect fit for this role. Please click the application link below to apply.
