- Assess creditworthiness of existing or prospective clients. - Examine financial transactions and credit history case by case (applications, statements, credit report sheets, legal documents etc). - Access short term and long term repayment patterns of returning customers. - Determine in depth the degree of risk involved. - Carefully analyze data and produce clear and objective reports. - Perform verification calls to customers. - Perform fraud checks on applications diligently. - Provide a comprehensive report/result of the credit worthiness of customers to ML. - Routinely monitor loan products for compliance. - Adhere to credit policy and guidelines.

- Proven working experience as a credit analyst - Proficiency in statistical packages and financial software - Up to date with legal, compliance and market risk related issues - Ability to analyze cash flows and customer strength - Strong communication and presentation skills - Sound judgement - BS degree in Business, Statistics or related field