Retail Credit Analyst

Description

Credit analyst assess and make decisions about customer credit applications using a range of criteria including purpose of application, customer payment history and customer credit-worthiness.

He/She grants the management, the analysis and the credit assessment of the financing requests according to the company’s credit&risk policy.

He/She grants an high quality of service maintaining an excellent cooperation with the Dealers.

Roles and Duties – core business

• The credit analyst verifies the data quality of the customer’s information input into the Bank system by the dealer and related to the financing request.
• The credit analyst manages the credit requests assessment, performing checks and verifications on the customers’s position according to the credit and risk policy.
• The credit analyst grants the credit assessment and decision of the financing requests processed according to his/her competence level and of the credit policy.

Competences

• University Degree
• Knowledge of the bank system and credit bureaus
• He/She knows how to read the income document for private and professionals customer

Personal flairs

• Attention to details
• Ability to perform in stressfull situation
• Relationship and comunication skills
• Team working
• Problem solving
• Negotiation
• Target oriented
• Decision making capabilities