Credit Analyst at an International Car Finance Company

Hakki Africa Ltd is a leading provider of vehicle financing solutions, dedicated to helping individuals and businesses secure affordable and flexible auto loans. We are seeking a skilled and detail-oriented Credit Analyst to evaluate loan applications and assess clients' creditworthiness. The ideal candidate will analyze financial data, review credit reports, and provide risk assessments to support sound lending decisions while ensuring compliance with company policies and industry regulations. Key Responsibilities: Assess the financial health of applicants by analyzing financial statements, credit reports, and other relevant data.Identify potential risks associated with lending and provide risk mitigation recommendations.Assign credit ratings based on financial analysis and risk assessments.Recommend approval, modification, or rejection of credit applications.Set appropriate credit limits and terms for borrowers.Ensure all documentation complies with regulatory and company policies.Ensure all credit assessments comply with legal, regulatory, and organizational standards.Follow internal credit policies and guidelines to maintain financial integrity.Adhere to fair lending practices and anti-money laundering (AML) policies. Qualifications and Experience: Bachelor’s degree or Diploma in Finance, Accounting, Economics, Business Administration, or a related field.Proven experience as a Credit Analyst, Loan Officer, or in a similar financial analysis role.Strong knowledge of credit assessment techniques, financial statement analysis, and risk evaluation.Familiarity with credit reporting agencies, financial regulations, and lending policies.Proficiency in financial software, loan management systems, google workspace and Microsoft Office (Excel, Word, PowerPoint). Skills required: Analytical Thinking: Ability to assess financial data, credit reports, and risk factors to make informed decisions.Attention to Detail: Strong focus on accuracy when evaluating financial information and loan applications.Decision-Making: Ability to recommend loan approvals, rejections, or modifications based on thorough credit analysis.Communication Skills: Clear and professional communication with loan officers, and stakeholders.Regulatory Knowledge: Understanding of financial laws, lending guidelines, and compliance requirements.Problem-Solving: Ability to identify risks and suggest strategies to mitigate potential defaults.Time Management: Efficiently handle multiple loan applications while meeting deadlines. Location & Work Environment Office-based setting with a professional and collaborative atmosphere.May involve working with financial software, credit analysis tools, and customer relationship management (CRM) systems.Interaction with loan officers, clients, and other financial professionals.Fast-paced environment requiring attention to detail and efficient decision-making.

• Assess the financial health of applicants by analyzing financial statements, credit reports, and other relevant data. • Identify potential risks associated with lending and provide risk mitigation recommendations. • Assign credit ratings based on financial analysis and risk assessments. • Recommend approval, modification, or rejection of credit applications. • Set appropriate credit limits and terms for borrowers. • Ensure all documentation complies with regulatory and company policies. • Ensure all credit assessments comply with legal, regulatory, and organizational standards. • Follow internal credit policies and guidelines to maintain financial integrity. • Adhere to fair lending practices and anti-money laundering (AML) policies. • Bachelor’s degree or Diploma in Finance, Accounting, Economics, Business Administration, or a related field. • Proven experience as a Credit Analyst, Loan Officer, or in a similar financial analysis role. • Strong knowledge of credit assessment techniques, financial statement analysis, and risk evaluation. • Familiarity with credit reporting agencies, financial regulations, and lending policies. • Proficiency in financial software, loan management systems, google workspace and Microsoft Office (Excel, Word, PowerPoint). • Analytical Thinking: Ability to assess financial data, credit reports, and risk factors to make informed decisions.