Credit Underwriting & Analysis Specialist 

Job Description

Responsibilities

Credit Underwriting & Analysis

• Assess customer and supplier credit applications in accordance with established credit policies.
• Review financial statements, bank statements, trade references, and other supporting documentation.
• Analyze payment behavior, industry trends, business models, and operational risks.
• Obtain and review reports from credit bureaus and external rating agencies.
• Recommend appropriate credit limits, payment terms, and credit conditions.

Credit Operations

• Manage the onboarding process for approved customers.
• Coordinate with internal teams for account setup, credit limit activation, and disbursement readiness.
• Monitor credit utilization and ensure compliance with approved terms.
• Process credit limit increases, renewals, temporary limit requests, and amendments.
• Maintain accurate customer records within the credit management system.

Portfolio Monitoring

• Conduct periodic credit reviews to assess changes in customer financial health and risk.
• Monitor overdue accounts and early warning indicators.
• Recommend adjustments to credit limits or payment terms when appropriate.
• Support portfolio quality reviews and concentration risk assessments.

Reporting & Compliance

• Prepare reports on credit approvals, utilization, portfolio performance, and exceptions.
• Monitor operational KPIs such as turnaround times and approval volumes.
• Support internal and external audits by providing required documentation.
• Contribute to the continuous improvement of credit policies, procedures, and controls.

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